Buy it on the ACA exchanges? Depending on your income, you may qualify for significant subsidies. Taxable retirement income for a given lifestyle is lower than most people seem to think -- dividends and LTCG have a lower tax rate than income; you don't pay taxes on the cost basis; you don't pay taxes on withdrawals from Roth accounts at all; and you don't need surplus income to save for retirement. If you live in a paid-off house, that can cut Cost of Living (CoL) needs substantially (e.g., the mortgage is something like 75% of my pre-retirement spending in a High CoL city).