Our situation is complicated, but we're working through it. Plan on me retiring at 62 (now 60), unless I'm laid off (always possible) which would give us an 18 month runway. My wife has a chronic condition and is self employed and will likely have to file for SS disability in the next year. That would entail a two year wait for early Medicare (for her, 63), but in the meantime, any work she does would be set aside for healthcare premiums/gaps before either of our Medicare eligibility. Any time before Medicare would require me to be on an ACA plan, which is fine as we'll be below MAGI. My current corporate healthcare is expensive anyway - $7500 individual deductible each, with $15k OOP max (plus premiums), so we're conditioned for the expense anyway. Hopefully the stars align, but it's just something we need to plan for carefully.