Awesome calculator TravelorerMSY. I’m truly blessed to have a low cost health insurance family plan with my company and not have to rely on ACA care (though I did for 2 years for my wife/dependents as a contractor because my small business employer family plan was garbage).
This calculator also emphases in my mind the need for a solid retirement plan and pre-planning because you really never know how presidential administration changes and healthcare costs might play out. Case in point, you might expect on paper to plan a Roth conversion but may end up disadvantaged in doing so due to administration changes. I fully fund a Roth for me and wife annually, mostly because we are currently in a lower tax bracket with her as a SAHM but largely because I want flexibility for retirement income. As a planner myself, it is humbling to think of how many people are clueless to their retirement savings and future planning.