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Old 01-23-2016, 03:38 PM   #41
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What makes anybody think that ACA will still be here in a few years? Why turn your life upside down for something that undoubtedly be changed or eliminated soon?
This is no different than managing a portfolio for tax efficiency, which is something every member should do.

As for eliminated soon, let's not get into that here, eh?
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Old 01-23-2016, 10:47 PM   #42
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What makes anybody think that ACA will still be here in a few years? Why turn your life upside down for something that undoubtedly be changed or eliminated soon?
One could turn your question around 180 and ask what makes anybody think that ACA will be gone in a few years? I don't see it being eliminated, changed perhaps depending on politics, but unlikely to be eliminated.

Besides no one is talking about turning their life upside down.... just trying to find and optimal strategy for their facts and circumstances.
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Old 01-24-2016, 08:10 AM   #43
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One could turn your question around 180 and ask what makes anybody think that ACA will be gone in a few years? I don't see it being eliminated, changed perhaps depending on politics, but unlikely to be eliminated.
Even if the groups who want it "repealed" assume full control, some aspects of ACA are far too politically popular to be rolled back. In particular, the elimination of preexisting condition exclusions and underwriting, as well as being able to keep children on the policy up to age 26, are very unlikely to be undone because these enjoy widespread (and largely bipartisan) support among the public.

Much of this law can be tweaked and perhaps some of it will be backed out. I don't see these aspects of the law going away.
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Old 01-24-2016, 09:19 AM   #44
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Of course if it is a problem you have to consider managing for ACA issues versus managing for the income based increases in Medicare. In particular if over 85k single you pay more up to 315/month at 214k for parts B and D.
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Old 01-24-2016, 09:38 AM   #45
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One could turn your question around 180 and ask what makes anybody think that ACA will be gone in a few years? I don't see it being eliminated, changed perhaps depending on politics, but unlikely to be eliminated.
Maybe not gone, but surely massively changed.

Financials, if nothing else. Premiums are going up and up, as are deductibles. Co-ops are all going bankrupt or otherwise out of business. GAO now projects a very large cost in upcoming years, nowhere near the savings that were originally projected.
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Old 01-24-2016, 09:49 AM   #46
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ACA is changing over time for sure, but that really is OT for this thread and is not an avenue to be pursued here. Managing income for ACA vs. Roth conversions is a very valid topic here but I think it's kind of been played out over multiple threads.

I think the i-orp calculator now includes this type of what-if analysis, haven't used it myself.
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Old 01-24-2016, 01:41 PM   #47
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WOW.... cannot even find a cat plan...
Here's what I did to estimate the cost of a catastrophic plan:

Price a regular bronze policy for myself. Then that same policy with the fake age of 30. Then price a catastrophic plan for a 30 year old and to the math to scale-up the catastrophic price presuming it's the same age factor for the two types of policies. But the catastrophic policies I have access to are just not that much cheaper than bronze, so I'm not in the same boat as PB.

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I think the i-orp calculator now includes this type of what-if analysis, haven't used it myself.
Yes it does. You can turn cliff prevention on or off. Also Roth conversion on or off. When I turn both on, that gives me the most favorable model result. The model is smart enough to undo the cliff prevention at age 65, so it has you converting up to the 15% bracket once you've hit Medicare age.
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Old 01-24-2016, 04:20 PM   #48
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Maybe not gone, but surely massively changed.

Financials, if nothing else. Premiums are going up and up, as are deductibles.
My 2016 subsidized premiums are actually down quite a bit from 2015. Deductibles are up slightly, to $6000 from $5500, but the new plan is HSA eligible.
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