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The Health Insurance Subsidy Cliff That Hits Early Retirees
Episode 34 of The Financial Freedom Podcast explores how early retirees can accidentally lose thousands in ACA subsidies by earning just a few hundred dollars too much in a single year. Lucas and Luna break down the mechanics of the premium tax credit cliff, using a concrete example of a couple with a $40,000 modified adjusted gross income facing a $6,000 subsidy loss if they cross $41,000. They walk through strategies like managing capital gains, Roth conversions, and deferring income to stay under the threshold. The episode also covers how the 2026 subsidy expansion under current law…
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