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The Health Insurance Gap That Breaks Early Retirement
Episode 33 of The Financial Freedom Podcast tackles the single biggest budget-buster for early retirees: health insurance costs before Medicare kicks in. Lucas walks through the case of a 45-year-old couple who retired with $1.4 million in 2022, only to face a $28,000 annual premium bill for a mid-tier ACA silver plan — a 10 percent withdrawal rate just for coverage. Luna pushes back on subsidy cliff math, and they break down how managing modified adjusted gross income (MAGI) through Roth conversions and capital gains harvesting can keep premiums manageable. They also discuss the COBRA…
The skinny
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