I wonder if this includes the age dependent increase or do you have to add another 4% of this as you get 1 year older. I know last year at age 64 my cost was about the same as Medicare + medigap (plan G like) + drug plan + max IRMAA at age 65.

Edit: OK a summary of my costs roughly. ACA costs for 2027 at 64 would be $12645.60, my out of pocket would be roughly $3505.76 for an annual medical cost of $16151.38. This is one person age 64 roughly. For medicare traditional plus medigap and drug with maximum IRMAA would be about $14602.20 + out of pocket drug costs $715.90 for a total of $15318.10. For no IRMAA (just the basic part B), the more common cost is $7150.20 plus the same drug cost of $715.90 for a total of $7866.10. The medicare cost is probably a little higher as I don't know what the medical out of pocket would be, but for traditional medicare and very good medigap, the out of pocket for medical can be quite small.

So rough total, ACA total medical $16151.38 (100%), medicare max IRMAA $15318.10 (95%), and minimal IRMAA 7866.10 (49%). Again, one person.