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Old 04-11-2016, 11:10 AM   #21
Confused about dryer sheets
Join Date: Apr 2016
Posts: 9
Posted our experience (1st year on ACA after more than a decade in corporate plan..) in the UnitedHealth thread.

We qualified for a 35 / person / month plan with better coverage than we had for several decades on corporate plan.

We are aggressively converting tIRA to Roth IRA for the next few years but keep the conversion(s) to about 30k / year, still qualify for around 35 - 45 / month / person Silver Plan with a max annual out of pocket of 900 / person / year.

The IRS tax bite from the 30k / year is much less than expected due to MFJ standard deduction and no other income to report.

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Old 04-11-2016, 11:15 AM   #22
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Join Date: Jun 2002
Location: Texas Hill Country
Posts: 39,197
xdafly, I'm not sure how relevant ACA coverage in Guam (per your "About Me" profile) is to the forum. Wasn't even aware Guam fell under the ACA.

Numbers is hard.

Retired in 2005 at age 58, no pension

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Old 04-11-2016, 11:37 AM   #23
Confused about dryer sheets
Join Date: Apr 2016
Posts: 9
We have a primary residence in lower 48.

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