Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Cover Health Care Before Medicare
Lucas and Luna dive into one of the biggest fears for early retirees: paying for health care before Medicare kicks in at 65. They break down the real numbers behind ACA marketplace plans and subsidies, explain the 'subsidy cliff' (now gone through 2025), and walk through a concrete example of a 55-year-old couple earning $60,000 a year who end up paying only $200 a month for a silver plan. They also discuss the strategy of intentionally keeping income low to maximize subsidies, the trade-offs between deductibles and premiums, and why health care might not be the six-figure nightmare…
The skinny
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