Live in Pennsylvania. My wife has been retired for a year. I retired this past May. My wife is 63, I'm 60. Because of how much I made this year. I get no help from Obomba. We pay $1021.00 a month, with a $6,000 det. Because of the county I live in (Fayette). I can only get one plan. Now, if I lived across the river (1/2 mile), in another county (Washinton). I would have a choice of 4 different plans that are cheaper.