My focus is Medicare so I know just a little about how IFP plans work in the ACA world. I run into a fair amount of turning 65 people who have younger spouses on individual plans that are pre-ACA. Yesterday I met a couple who are paying about $450 per month for a $7.5K deductible plan, $10K max OOP they got about five years ago (a Bronze PPO plan would run them about $650-700 each). Carrier told them they could keep it. Husband's Medicare starts today, wife is nervous that they'll rewrite hers as a compliant plan and her rates will go way up. They were nervous enough that they were consid
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