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Many believe early retirement leads to financial strain due to healthcare costs, but this isn’t always the case! This video explores how early retirees can leverage ACA subsidies to significantly cut health insurance premiums, turning a potential financial burden into manageable expense. Learn how to achieve financial freedom and retire early without the burden of high healthcare costs in retirement.
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CHAPTERS
00:00 Why Early Retirement Doesn’t Have to Mean Expensive Insurance
00:49 Overview of the ACA Marketplace
01:17 Real Plan Pricing and Cost Breakdown
01:26 3 Income Strategies to Lower Premiums
01:33 How ACA Marketplace Pricing Works
02:26 Key Factors That Affect Your Premiums
03:19 Understanding Modified Adjusted Gross Income (MAGI)
04:05 Premium Tax Credits Explained
05:02 Estimating Premium Costs Based on Income
06:16 2025 vs 2026 Rule Changes
07:35 High-Income Example: $250K MAGI
10:23 Mid-Income Example: $125K MAGI
12:13 Low-Income Example: $30K MAGI
14:04 Moderate-Income Example: $60K MAGI
15:00 Income Strategy 1: Spend from Roth IRA
16:56 Income Strategy 2: Spend from Cash and Taxable Accounts
20:40 Income Strategy 3: Blended Approach
22:14 Final Thoughts and Planning Support
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This video is NOT sponsored.
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