How to get the maximum ACA subsidy when retiring before 65

More and more Americans are retiring before reaching age 65 and qualifying for Medicare. This brings up a thorny issue: what can be done for health insurance coverage in those intervening years? A marketplace/Affordable Care Act (ACA) plan, COBRA, or a spouse’s coverage all make for good options. But COBRA comes with a time limit […]

How to Avoid the IRMAA Medicare Surcharge


You may not be aware, but Medicare is means-tested. Earning above certain thresholds during retirement could see you get hit with a Medicare income-related monthly adjustment amount (IRMAA), which is a fancy way of saying that you’ll pay more. This can be a nasty surprise. Case in point: a 65 year old married couple retiring […]