You retire, and family health insurance is $2,000 a month. What decides it isn't your health — it's your MAGI.
Your premium is set by MAGI, not by your health
Who this book is for
Households 55–64 in early retirement, semi-retirement, or layoff · the coverage gap between employer insurance and Medicare
Does this sound familiar?
- — Employer coverage ended; COBRA is $2,000+/month and you don't know what to report for ACA
- — You lowered income too far and nearly got routed into Medicaid
- — You sold stock for the 0% LTCG rate and gave back tens of thousands in subsidies
What this book does
From the MAGI formula → precision landing in FPL bands → maximizing subsidies and CSR 94 → avoiding Medicaid → an IRMAA preview. Income design and coverage tier as one band problem.
Table of contents
- 01 Anatomy of the cliff (COBRA/ACA/Medicare · FPL cliffs · CSR tiers)
- 02 MAGI design (what counts · tools to lower and to fill · the December landing)
- 03 Chains and previews (the 0% LTCG trap · IRMAA at 63 · a 10-year roadmap)
- 04 Cash without selling / three retirement personas
What's included
- ✓ Ebook PDF
- ✓ Workbook (MAGI worksheet · marketplace checklist · 10-year roadmap)
- ✓ FPL band xlsx calculator
⚠️ No specific insurance products are recommended. ACA subsidy parameters sit on the legislative front line.
This material is general information for educational purposes only — not tax, legal, or investment advice. Examples of tax savings or returns are illustrative and do not guarantee individual results. Review with a licensed professional (CPA, EA, or attorney) before acting.