As health-insurance premiums often cost thousands each year, steep increases in these expenses can have a big impact on people’s FIRE plans. Many early retirees rely on the performance of their investments and access to healthcare through the ACA. While a huge spike in the cost of health insurance is a big problem for most early retirees, it may be especially worrisome for those who may be closer to traditional retirement age and face significantly higher premiums , or who have health issues that could cost ...