Extension of the ACA “Subsidy Cliff?”

One of the biggest challenges with retiring before age 65 (Medicare eligibility) is navigating the complexities of health insurance coverage. In particular, trying to qualify for premium tax credits that help reduce the cost of health insurance purchased on the...

Health Insurance for Retirees before age 65

Last month I was invited to speak on Twitter with my friend Cody Garrett, a fellow CFP®, on The 7 Options for Health Coverage Before Medicare. Given that over 240 people listened, including many other financial planners, I realized how important of a topic this is for...

Elimination of the ACA “Subsidy Cliff”?

As part of the recent tax proposals, one potential change that’s not getting much attention in the early retirement community is an elimination of the affordable care act (ACA) “subsidy cliff.” As I wrote back in June, previously there was an income limit based...

Solo Business Owners: How to qualify for health insurance tax credits while making over $400k per year

With the recent passage of the American Rescue Plan in March, many more Americans are now eligible for health insurance premium tax credit assistance, a tax credit that reduces your health insurance costs. Prior to the recent changes passed in March 2021, there was a...