Blog
In-depth articles on the ACA subsidy cliff, income strategies, and health insurance planning.
ACA Subsidy Cliff Explained: Why Your Health Insurance Doubled in 2026
The enhanced ACA subsidies expired at the end of 2025, bringing back the dreaded subsidy cliff at 400% FPL. Here's what happened, who's affected, and what you can do.
Read more →5 Legal Ways to Lower Your Income and Keep Your ACA Subsidy
Strategic use of HSAs, 401(k)s, IRAs, and other tools can legally reduce your MAGI and help you stay under the subsidy cliff. Here's how.
Read more →Early Retirement and Health Insurance: Navigating the 2026 Subsidy Cliff
If you're retired before 65, the return of the subsidy cliff makes managing your income more critical than ever. Plan your bridge to Medicare.
Read more →ACA Subsidy Cliff: What a Family of Four Needs to Know in 2026
Family-specific examples at $80K, $100K, and $128K income. How the subsidy cliff hits families harder and what you can do about it.
Read more →Self-Employed Health Insurance in 2026: The Subsidy Cliff Survival Guide
How to manage 1099 income for subsidy eligibility. SEP-IRA, Solo 401(k), and quarterly income planning strategies for freelancers.
Read more →How Roth Conversions Can Push You Off the ACA Subsidy Cliff
Roth conversions increase your MAGI and can eliminate your ACA subsidies. Learn timing strategies and when to convert vs. when to wait.
Read more →Using HSA Contributions to Stay Under the ACA Subsidy Cliff
HSA contributions reduce MAGI dollar-for-dollar. Learn the 2026 limits and how the triple tax advantage preserves your subsidies.
Read more →ACA Marketplace vs Employer Insurance in 2026: Which Is Cheaper Now?
The affordability test, family glitch fix, and subsidy cliff changes mean marketplace coverage may beat employer plans for some families.
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