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Optimizing Obamacare

Most early retirees and even many traditional retirees have some flexibility in how they realize income. You can control the timing for when you claim Social Security, withdraw from retirement accounts, harvest capital gains, work part-time work, and pay certain major expenses. Each of these events impacts your income, and thus your eligibility for ACA subsidies.

Based on my reading, here is a general strategy for optimizing insurance costs through the ACA exchanges in early retirement:

1. Start by tracking your income carefully during the year: It’s the most vital metric for using the ACA.
2. Be sure to generate enough income to exceed 138% of the Federal Poverty Level in states that expanded Medicaid, or 100% of the FPL in states that did not.
3. Maximize benefits by keeping your MAGI between 100%-250% of FPL and choosing a Silver plan, to be eligible for the Cost Sharing Subsidy Reduction. That gives you lower out-of-pocket costs on copayments, coinsurance, and/or deductibles.
4. Do whatever you can to stay below 400% of the FPL, to avoid losing subsidies altogether and possibly going over the premium “cliff.”

for more info:  http://www.gocurrycracker.com/obamacare-optimization-early-retirement/

 

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• 谢谢！很有帮助。去推荐的网站看看。 -IEbird- ♀ (0 bytes) () 10/24/2016 postreply 11:46:07