B.S. Gold plan premiums through the state exchange for my wife and myself, age 59, would be about $2,400/month total.
$2400. is a danged sight less than $13000. but even $2400 is a monthly amount that would have been the monthly gross income of someone with a very fine lifestyle not that long ago. In fact I never had an income anywhere close to that before 1982 when I started a business of my own.