Planning For Early Retirement Healthcare Through HealthCare.gov | 9 to FI 051

<p>Estimating ACA Health Insurance Costs for Early Retirement: Subsidies, MAGI, and Plan Choices</p><p>Elliot and Josh discuss healthcare as a major early-retirement cost and review a BiggerPockets Money episode featuring free tools for estimating ACA premiums. They compare the BiggerPockets calculator with healthcare.gov, noting discrepancies but agreeing both help illustrate key variables such as zip code, household size, ages, and modified adjusted gross income (MAGI), especially around the 400% federal poverty level subsidy cliff. Josh explains how to use healthcare.gov’s “Browse Plans &amp; Costs” and shares that for a two-person household at $84,000 MAGI he sees about $700/month in subsidies and a $381/month bronze plan. They then run Elliot’s family-of-five example on healthcare.gov, exploring income inputs, a Medicaid-eligibility warning at $100,000, and a $1,011/month subsidy at $120,000 that yields a $505/month bronze plan versus a $949/month silver plan. They discuss tradeoffs between premiums and out-of-pocket costs, how premiums rise with age, and using these estimates for budgeting tools like ProjectionLab.</p><p>00:00 Welcome and Setup</p><p>00:51 Homework and Bloopers</p><p>01:20 BiggerPockets Tools Overview</p><p>03:17 Key Variables and Zip Codes</p><p>04:19 Healthcare Gov Walkthrough</p><p>06:15 Subsidy Cliff Strategy</p><p>08:29 Elliot Runs Numbers Live</p><p>13:18 Bronze vs Silver Tradeoffs</p><p>14:56 Aging Costs and Family Changes</p><p>15:45 Comparing Employer Plans</p><p>17:09 Projection Lab and BP Calculator</p><p>20:23 Wrap Up and Takeaways</p><p>Do you have feedback or suggestions? We want to hear from you!</p><p>Contact Elliot: <a href="mailto:Elliot@ninetofipod.com" target="_blank" rel="ugc noopener noreferrer">Elliot@ninetofipod.com</a></p><p>Contact Josh: <a href="mailto:Josh@ninetofipod.com" target="_blank" rel="ugc noopener noreferrer">Josh@ninetofipod.com</a></p><p>Josh’s other podcast: <a href="https://open.spotify.com/show/4foNu6PXBBTnj7LRPUWeSd?si=380e77ecc4524baf" target="_blank" rel="ugc noopener noreferrer">Stuck In Beta</a></p><p>Josh’s YouTube channel: <a href="http://www.youtube.com/@howtofixitworkshop" target="_blank" rel="ugc noopener noreferrer">How To Fix It Workshop</a></p><p>Any of these products help the show. Thanks for your support!</p><p><a href="https://buymeacoffee.com/9tofi" target="_blank" rel="ugc noopener noreferrer">Buy Us a Coffee⁠</a> - One time donation or monthly, it’s up to you</p><p>We both use<a href="https://my.mintmobile.com/refer/aEWp5rL" target="_blank" rel="ugc noopener noreferrer"> ⁠Mint Mobile⁠</a> and save a ton on our phone plan:<a href="http://fbuy.me/vgAmz" target="_blank" rel="ugc noopener noreferrer"> ⁠</a></p><p><a href="https://empowerreferral.link/joshuaepley" target="_blank" rel="ugc noopener noreferrer">⁠Empower⁠</a> is Josh’s choice for Net Worth and Budgeting</p><p>Wanna create a podcast? We use<a href="https://descript.cello.so/IVNVNzQT7Gf" target="_blank" rel="ugc noopener noreferrer"> ⁠Descript⁠</a></p><p>Looking for a new credit card?  We’re big fans of<a href="https://www.referyourchasecard.com/226d/VXSG31N8OF" target="_blank" rel="ugc noopener noreferrer"> ⁠Chase⁠</a></p><p><a href="https://buymeacoffee.com/9tofi" target="_blank" rel="ugc noopener noreferrer">⁠</a>Want to save money on gas, groceries and dining out? Try<a href="https://upside.app.link/JOSH56339" target="_blank" rel="ugc noopener noreferrer"> ⁠Upside!⁠</a></p><p>Books mentioned in this episode:</p><p>Come find us and subscribe on <a href="http://www.youtube.com/@9toFI" target="_blank" rel="ugc noopener noreferrer">YouTube</a>: <a href="http://www.youtube.com/@9toFI" target="_blank" rel="ugc noopener noreferrer">http://www.youtube.com/@9toFI</a></p><p><br /></p>