Depending on how far over the ACA limit you are, you could try getting back under it with a traditional IRA or HSA contribution for you and/or your spouse for the 2019 tax year if you qualify. You can make these contributions any time before April 15, 2020.
An IRA contribution requires earned income, but it can be spousal earned income or a Schedule C business net income. HSAs don't require income but do require a qualifying health plan.
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"At times the world can seem an unfriendly and sinister place, but believe us when we say there is much more good in it than bad. All you have to do is look hard enough, and what might seem to be a series of unfortunate events, may in fact be the first steps of a journey." Violet Baudelaire.
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