I never ask if prospects can afford the premium . . . I just assume they can unless they tell me other wise.
YMMV
I work T65's from my webinar. I'll run across some people that act like the $185 alone is too much. My appt at 4 today pays $0 for her FL blue ACA plan. She thought she could keep that plan.
If I get a med Supp referral, which I think you mostly run, they almost always want a med Supp. I love those easy appts. Plus, MAPD stinks in GA and our med supps are over $200 for T65.