Looking into ACA healthcare plans as i begin FIRE. I know this is one of the most expensive parts of fire. I'm single, and if i keep my MAGI below $62k a year, I qualify for federal subsidies, and it cuts of more than half of the cost (depending on MAGI). Since in FIRE, I would be drawing from mostly hysa and my brokerage accounts for the first 5 years, that would make being below that magi relatively easy to control.

Am i missing something? if i can qualify for subsidies, healthcare on ACA can actually be quite affordable?