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Old 03-14-2013, 08:51 PM   #21
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Join Date: Nov 2010
Location: Vermont & Sarasota, FL
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Originally Posted by marko View Post
The trick of course will be to withdraw enough to make the initial premium payment while still staying below the 400% FPL ($60K minus $14K premium) so in effect your actual 'spendable' amount for that year would be about $45K...not counting after-tax backfills.
I don't think it will be hard in my case since I keep a couple years of expenses in cash/ST bonds so no tax implication of withdrawing from them and for my taxable portfolio my basis should approximate fair value going into 2014 because I plan to harvest gains at 0% CG rate in 2013.

If you're talking about withdrawals from tax-deferred, then totally different dilemma.

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Old 03-14-2013, 09:01 PM   #22
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Join Date: Jul 2012
Location: Mississippi
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OK, the form is 21 pages but 12 of that is repeated, 2 pages for each applicant for personal info, 6 included in the form. 2 pages ask about current insurance, 2 pages apply only if you're american indian. You're done on page 18, the rest is instructions. It looks like I would have 5 pages to complete, I guess 6 if you count the signature page. Looks a lot easier than filling out one for individual HI and getting rejected.

If someone has trouble with a 1040EZ I guess this might be a problem.

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