I finally got the 1099B and Form 8949 I was waiting for to finish my taxes. I am 57, working P/T for the last 7 years. I was able to obtain a Bronze plan through the ACA for 2014. I have income from work and investments.
My gross taxable income was $48.5K. I put the max amount into my HSA and IRA bringing my MAGI down to as low as possible. I will pay $0 in Federal Income Tax and will get a check back from the US Treasury for $1800 (refundable ACA tax credit). The $1800 is almost exactly equal to what I paid in Social Security Payroll Tax.
It doesn't pay to work anymore.
What a country, I am sure glad the boat my family was on stopped here.