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Planning on moving to ACA Jun 1st after retiring but will have 4 months of high income up to that point (and very low income after). In estimating income for subsidy consideration, do I need to include the months of the year that I was not covered by ACA? If so, I will not qualify for subsidies.

Been planning this since I was 45 and think I'm ready. Would like to present my plans and hopefully gain some insight from the experts here. Only debt is $170K of mortgage debt for rentals. Cash bucket currently sits at $120K in high yield savings account. Will be used for emergencies as well...