Ron is a 63-year-old retiree from St. Louis County. Ron had private health insurance before he retired and currently gets insurance through his wife’s employer. However, his premiums are $650 per month. He worries that if his pension were to get taken away, he would not be able to afford it. Fortunately, the ACA gives Ron another option. If his income goes down, he may be eligible for an income-based discount for a plan on the federal Marketplace. And, if he wants to switch plans, he can’t be discriminated against for any past health conditions. Without the ACA, Ron wouldn’t have these choices.