[Ken_Adler]

ACA (ObamaCare) is available. Your monthly cost for top tier coverage can be as low as ~$5 a month for a family of 4.

The qualifying income cap is based on you anticipated "Modified Adjusted Gross Income". They don't count assets. This means that if you may have losses that bring your income for the year down to the income limits, then you can honestly say that and get subsidies. If you currently don't have any income, but you can imagine yourself earning the minimum income in the calendar year, then you can claim that. (If you are lower than the minimum for ACA, you will get MediCal for free)

For example, in California, for a family of 4, if you can honestly estimate that after potential losses and potential earnings, your modified adjusted gross income would be between $39,750 - $53,000, you can get top tier coverage for ~ $5 a month, no co-pay, very low prescription costs.

If your situation changes (you start working again) you just notify the state and either pay a higher rate or cancel and use your new company's plan.

Search for "2022 ACA Income limits [your state]"

Here is the 2022 chart for California: https://www.coveredca.com/pdfs/FPL-chart.pdf

[ridaj]

Thanks for the very informative answer!