I'm very far from FIRE, so consider that, but I don't factor any subsidies. I plan to not have insurance and pay whatever tax is forced on me at the time. For age related medical issues I will seek treatment at one of the free market facilities like the Surgery Center of Oklahoma. They advertise prices and from what I've read and heard offer great service, excellent treatment, publish prices, and give quotes in a timely manner. If I cant' afford treatment I won't get treatment and will die prematurely, resultant from government eliminating the free market on heallth care and health insurance. or maybe we'll all be fortunate enough to have a free market eventually... Bottom line, I figure at least $2500/yr in extra taxes, $2500 less to spend on healthcare when I eventually need it.