It seems to me that Obamacare may encourage folks to retire early. In our case, I would have to provide my own health insurance until Medicare. I would probably qualify for a heavily subsidized plan from Healthcare.gov. We could spend down non-retirement assets that don't create a tax event (basicly cash) and only show taxable income from dividends and interest on other non-retirement accounts until age 65. This will be relatively low amount as most of our assets are in retirement accounts. It strikes me as a bit odd that you can actually have a substantial amount of money and still get hefty Obamacare subsides. Anyone using Healthcare.gov for health insurance and getting a hefty subsidy?