I have been using ACA for 5 years with an AGI ~$24K. I have been reading the posts of others bumping up their AGI to just under the ACA cliff with Roth Conversions. If I follow that, my ACA annual premium increases $5K and my federal taxes increase $4.4K a year, making this a ~25% cost to do the Roth Conversion (~$40K), and I'd lose the compounding interest of this $9.5K every year. What am I missing? Why are others doing this?