If they waited until 2023

Wife has to continue to buy health insurance, receives a much smaller subsidy, $200/month, so her cost will be about $400/month.

Husband goes to Medicare and at $75,000, IRMAA = $0/month, because the “cutoff” for a married person’s income is $182,000. His premium, for the Rolls Royce of health insurance will cost approximately $170.1 + $140 + $30 = $310 (Medigap Part B + Medigap Plan G + Part D). Roughly.