Plan health insurance for the years between early retirement and Medicare. Honest math on your ACA premium tax credit, the restored 400% FPL cliff, and how Roth conversions and capital gains move your net premium.
Everyone on your tax return: you, your spouse, and dependents. The federal poverty level scales with this.
Marketplace premiums rise with age — a 64-year-old pays 3x what a 21-year-old pays for the same plan.
Age of the second adult on the plan. Each member's premium is rated by their own age.
Modified Adjusted Gross Income for the coverage year — roughly AGI plus tax-exempt interest and untaxed Social Security. Roth conversions and realized capital gains count.
Everything else in your MAGI: interest, dividends, rental income, part-time work, pension.
Planned Traditional → Roth conversions for the year. Every converted dollar is ordinary income and raises MAGI.
Gains you plan to realize by selling in taxable accounts. Even 0%-bracket long-term gains count toward MAGI.
HSA and Traditional 401(k)/IRA contributions reduce MAGI — the main levers for staying under the cliff.
| Period | Value |
|---|---|
| $0 | $16K |
| $2.5K | $16K |
| $5.0K | $16K |
| $7.5K | $16K |
| $10K | $16K |
| $13K | $16K |
| $15K | $16K |
| $18K | $16K |
| $20K | $16K |
| $23K | $473 |
| $25K | $525 |
| $28K | $578 |
| $30K | $1.1K |
| $33K | $1.4K |
| $35K | $1.7K |
| $38K | $2.1K |
| $40K | $2.4K |
| $43K | $2.8K |
| $45K | $3.2K |
| $48K | $3.6K |
| $50K | $4.0K |
| $53K | $4.4K |
| $55K | $4.8K |
| $58K | $5.2K |
| $60K | $5.7K |
| $63K | $6.1K |
| $65K | $6.5K |
| $68K | $6.7K |
| $70K | $7.0K |
| $73K | $7.2K |
| $75K | $7.5K |
| $78K | $7.7K |
| $80K | $8.0K |
| $83K | $8.2K |
| $85K | $16K |
| $88K | $16K |
| $90K | $16K |
| $93K | $16K |
| $95K | $16K |
| $98K | $16K |
| $100K | $16K |
| $103K | $16K |
| $105K | $16K |
| $108K | $16K |
| $110K | $16K |
| $113K | $16K |
| $115K | $16K |
| $118K | $16K |
| $120K | $16K |
| $123K | $16K |
| $125K | $16K |
| $128K | $16K |
| $130K | $16K |
| $133K | $16K |
| $135K | $16K |
| $138K | $16K |
| $140K | $16K |
| $143K | $16K |
| $145K | $16K |
| $148K | $16K |
| $150K | $16K |
Estimates only, based on national averages and published 2026 federal rules. Your actual premium and credit depend on your state, county, chosen plan, and final IRS figures. Verify at healthcare.gov before making income or conversion decisions. Not financial, tax, or insurance advice.