ObamaCare has what to do with anything? It may in your wife's case, but I am on COBRA while my wife is on Medicare.
Soc Sec and Medicare seem stone SIMPLE compared to ObamaCare. When the govt takes away your professsional org insurance and leaves you No option, but the ACA Marketplace -- sometimes easing into retirement FORCES you juggle all 3 at a time. In my case, we used early enrollment in SSec to pay the premiums for her ObamaCare until SHE goes on Medicare.