The Affordable Care Act marketplace (healthcare.gov) offers individual health insurance to people who don't have employer coverage. Premium tax credits reduce cost based on income — making early retirement more affordable than many people realize.
For pre-retirees considering early retirement, ACA subsidies are the biggest variable in the math. At 400% of the federal poverty level or below, subsidies can reduce premiums dramatically — making 60-to-65 bridge coverage affordable if you manage your MAGI carefully.
Medicare is the federal health insurance program for Americans 65+. It has four parts: A (hospital), B (doctors/outpatient), C (Medicare Adv…
An HSA is a tax-advantaged account for medical expenses, available only to people enrolled in a high-deductible health plan (HDHP). Contribu…
A Roth conversion moves money from a traditional IRA or 401(k) to a Roth IRA. You pay ordinary income tax on the converted amount in the yea…
A withdrawal strategy defines how much you pull from your portfolio each year in retirement and how you adjust for market performance, infla…