This is the only benefit of my wife's FERS disability. She was able to keep her Federal insurance plan. Our family of 4 (technically 5) is covered for $550 a month.
People can go on the healthcare.gov website and look at plans and also see the "estimated premium tax credit". I entered in 2 people, married, Fort Meyers area, annual income of $50k (so under the $64k limit).
Estimated premium tax credit was $1,986 per month. That's the subsidization. Now onto the plans...
8 Bronze, 8 Silver, 4 Gold and 4 Platinum plans are available. My current Fed employee health plan is BCBS, so basically a Gold plan. I pay about what you pay, on the order of $6500 in premiums. The deductible is very low, however, at $350 per person as I recall. We probably spent $8000 overall last year between premiums, deductibles, and some OOP.
The most attractive options are:
(1) BCBS Bronze. EPO (not HMO). $0 premium (after subsidy). Deductible $12,800 for family total. Max OOP $13,800. Generic drugs $24, Primary Doc $35, Specialist $65, ER 50% covered AFTER massive deductible (ugh - useless - after deductible there is only $1000 more before you hit max OOP). Basically, a great choice if you are fairly healthy, and can stand some big expenses now and again.
(2) BCBS Gold. HMO. $364 premium (after subsidy). Deductible $4000. Max OOP $11000. Decent plan.
(3) BCBS Silver. EPO. $864 premium (after subsidy). Deductible $12,100. Max OOP 14,700. $100 Primary Doc and $150 Specialist. I don't see the point of this plan - I'd rather do #1. Maybe I'm missing something.
Anyway, there are options out there. #1 might run your family only $2000 in a "good year". Guaranteed to run you no more than $13,800 in a bad one. We run $7k - $8k as it is, in a Fed plan, so I don't see a massive difference, other than it is an EPO, and I'm in a PPO now.
The key is being able to manage your MAGI each year.