I’ve been looking into this quite a bit lately. The realistic option is to use an ACA plan, but man the plans are rough compared to my employer provided insurance based on any metric: premium, oop max, out of network coverage, you name it. That all sucks but mostly comes down to budgeting. What I’m actually worried more about is how narrow the networks are for the average plans in my county, the average plan has something like a 14% provider participation rate which is abysmal.

What I’m most likely going to do is lean into concierge medicine for primary care and then couple it with whatever ACA plan makes the most sense.