 [ Symptoms ] i will retire this year at 62 my income will drop from 60 000 a year to 22 000 my current employer offers a health insurance plan similar to the silver plan for 150month can i save money by opting out of the employer plan and opting into the aca plan what are my options also is there a maximum out of pocket amount for the aca plans [ Disease ] while you are still working you will not qualify for a tax credit if the employer is plan is considered affordable under the law affordable employer health insurance costs no more than 9 5 of your income and covers at least 60 of covered medical costs health plans must now limit your annual out of pocket costs to 6 350 for an individual and 12 700 for a family once you retire and are no longer an active employee you can buy a plan through the marketplace depending on your income you may qualify for a tax credit to buy insurance through the marketplace