ACA subsidy cliff for early retirees (pre-65)

If you retired before 65, you have unusual control over your taxable income — and that control is what keeps you under the cliff.

Watch Roth conversions, capital-gains realizations, and IRA/brokerage withdrawal timing. An HSA + Bronze plan lowers MAGI while you’re still HSA-eligible. A good market year can quietly push you over — check before December.

Stay under 400% FPL → · HSA + Bronze →

Frequently asked

Do Social Security benefits count toward the cliff?

Yes — even the non-taxable portion of Social Security is added back for MAGI. If you've claimed early, factor it in.