I suspect there's no ideal option for me here but wanted to check in here to see if there's something I'm not thinking of.
I retired early and I manage my income (primarily capital gains and dividends) to maintain an income low enough to qualify for Medicaid. My partner is a good bit younger than me, subscribes to similar life goals as me regarding having high income/savings during her 30s and then "retiring" to a point where she can also rely on passive income and then pursue labors of love like I currently do. Her income is in the low 6 figures, so obviously, she doesn't use ACA insurance plans. We are moving in the direction of formalizing our relationship by getting legally married but one big concern for me is the loss of my Medicaid income qualification. I'm guessing that even if we married and filed separately that there is no way that our incomes would be considered separate households once married.
While I am in relatively good health and relatively young, I do have a therapist that is completely paid for through Medicaid so if I were to no longer qualify for the program, the value lost would be significantly more than just premiums for an individual health care plan.
Curious if anyone else has run into this and found a solution?