Recent content by MikeinMD

I have to admit I hadn't heard of the CSR savings, it appears to be associated only with the silver plan. I've been getting the bronze plan since so far I've been fairly healthy although I can see why the silver plan would make sense.

I'm not sure about all state's requirements, in Maryland I had the option of bypassing subsidies this year. If I want to reinstate the subsidies I would have to provide income verification which in the past I had a difficult time providing. I do not know if no income verification is required...

Right, I meant income below 4x FPL and above Medicaid. I had income subsidies last year, although providing income verification documentation was a hassle. For this year I must have clicked on "Do not require subsidy" option on the ACA website. Although I do not remember doing this, the ACA...

I think I know the answer but can't seem to find much info on it. I have medical insurance through the state run ACA site. If I don't apply for the monthly ACA subsidy and my income is below the ACA subsidy threshold I believe I will get a tax credit back when I fill out form 8962 on the 1040...

I'm not as familiar with purchasing treasuries, I was interested in 3 month duration, no purchase fees and auto roll, CDs have those features, not sure about treasuries.

I use the auto roll feature at Fidelity to purchase a new CD every 3 months. The CD currently pays about 1.5%. If I remember correctly, I manually purchased the first 3 month CD and then enrolled in the auto roll feature to have it purchase a similar CD thereafter. It works great so far.

Thanks for the advice, lots to think about. I do have a HSA but probably should not have paid off the house, would have more after tax funds. I think I will increase my income to the max ACA and withdrawal more traditional IRA or Roth conversion.

Hi, I don't believe I have posted in a quite a while but I was wondering if anyone has advice for maintaining ACA subsidies while taking money out of tax deferred accounts? Maintaining ACA subsidies is great but it does limit your ability to withdrawal funds from traditional IRAs or 401Ks...

I have Ooma which has the option of using community blacklists (blocks known telemarketers) and you can block additional numbers through their website (just click on the phone number in the call list). You could monitor who's calling and block unwanted callers. It might be an option (just...