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Old 03-01-2014, 05:27 PM   #21
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Location: N Cal
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Interesting discussion, and very timely for me.

I too have been wondering if there would be any tax penalties associated with being over-subsidized (that said, so far it looks like my 2014 MAGI is going to in line with my ACA subsidy, but, the year is young).

And on top of that I'm starting to mull the pros & cons of keeping my MAGI low for the subsidy, vs foregoing the subsidy for Roth conversions. Much to ponder.

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Old 03-01-2014, 05:37 PM   #22
Recycles dryer sheets
Join Date: Sep 2012
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We'll be family of five until 2022(My daughter will be 26) and family of four until 2030 when my twin boys will be 26. I'll be 65 in 2030 and will be eligible for Medicare but DW will be 60 yrs old. I think I can manage MAGI < 400% FPL until 2030 and will pay full premium between 2030-2035 when DW becomes eligible for Medicare - of course, all this depends if subsidies last until then. The day they start counting assets against subsidy, we'll not be eligible.

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