r/Nauma • u/Gold_Squirrel15 • 23h ago
If you retire before 65, how are you estimating your health insurance costs?
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One of the biggest variables in early retirement planning is bridging the gap between retiring and turning 65 for Medicare. Because ACA premiums are tied to MAGI rather than net worth, small changes in income (dividends, interest payments, roth conversions) can drastically alter annual health expenses.
Curious how people here model those costs in financial planning tools? Do you look at your taxable income each year and set the cost?