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Strategies & Market Trends : Young and Older Folk Portfolio
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To: QTI on SI who wrote (21832)11/3/2025 9:29:02 AM
From: Charliebrown72114 Recommendations

Recommended By
jritz0
KCzeslawZ
QTI on SI
Smart_Asset

   of 23248
 
ACA premiums.

Do you have a Roth IRA? Distributions from a Roth IRA are not considered income for ACA calculations. I’ve been using withdrawals from my Roth IRA to minimize my taxable income and it makes a big difference in ACA premiums. Maybe that would be an option for those that are getting hit with significantly higher premium costs for 2026. Maybe do a Roth conversion this year, pay those distribution taxes this year, and then withdraw out of the Roth next year. Dunno, just a quick thought experiment, haven’t run any numbers to see if that would actually work.
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