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On selling the house: may need to downsize or move to a less stressful area (we currently live on the coast in a very hurricane-prone) anyway. So if could net say $150K by selling this house and buying a less expensive one, could help facilitate maximizing our subsidies.

Maybe so. From what I have read, I (and anyone else that qualifies for subsidies) can either take the full subsidy, take a fraction of the subsidy, or not take the subsidy at all. But the US government contribution will be reconciled when I do my taxes in 2015. The subsidies are just early...

Yes, I will also be close to 400% and do not want to have to pay BACK $5K or so the Uncle Sam. And my apologies, I think I sent 2 similar replies to an earlier post. I'm a newbie. And cooking dinner and drinking wine and watching baseball simultaneously. Forgive me.

As I read ACA info online, the subsidies are really pre-payments by the government of tax credits to help insurance buyers with cash flow. Those subsidies will be reconciled when you do your 2014 taxes in the spring of 2015, with actual 2014 income instead of estimates. If I choose to take no...

My question is really...if I take the subsidy I seem left with about $5000 in premium costs (which ARE deductible as a medical expense per pub 502) to apply toward the calculations for my deductions on schedule A. That $5000 plus my dental premiums, out of pocket costs, etc will well exceed 10%...

My strategy is to keep my MAGI under the 400% of poverty level (family of 2, DW and myself). We will each have our own ACA compliant policy: DW takes prescriptions and will have a policy w/ copays, reasonable deductible, etc. I will have a high deductible plan so can use a HSA (and I turn 55 in...

OK, I have been researching the ACA at length. Currently retired, and DW and I buy our own policies (different for each of us) from BCBSNC. Just as an example, suppose our new ACA-compliant policies cost $10,000 per year and we would qualify for subsidies of $5000. When I go to do our 2014...