There is no such thing as a free lunch.
If you need an additional $30k a year above your pension, you might get a few years by utilizing your taxable funds ($100k in cash) and another few years utilizing your Roth.
Are you sure you will be under 400% FPL after considering income from your taxable accounts? You can get a good idea by taking your 2013 AGI, subtracting your wage income, adding in your pension and making any other appropriate adjustments. I was thinking I would keep my income under 400% FPL for subsidies but later decided that I was better off to forgo the subsidies and do Roth conversions to the top of the 15% tax bracket to reduce the time I'll spend in the 25% tax bracket in my 70s.
If you select a HSA eligible plan and make HSA contributions that will reduce your income but it doesn't help out on the cash flow.
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56...target 65/35/0 AA