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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: Steve Felix who wrote (28148)	11/5/2017 12:20:54 PM
From: Ditchdigger	Read Replies (1) \| Respond to of 34328

VT remember has their own exchange, it's actually pretty useful. 62 yo couple, $34K income. List all policies and prices. And "estimated real cost") 24 plans found(we only have 2 insurers here). Hopefully you can copy and paste vt.checkbookhealth.org

To: Steve Felix who wrote (28148)	11/7/2017 9:26:11 AM
From: maverick61	Read Replies (2) \| Respond to of 34328

OT - Not really having looked into the detail mechanics of this calculation, but knowing that the government designed this so there has to be even more flaws and loopholes, for giggles I wondered how the formula treated income you tax defer. By this I mean, for someone who is working, if they tax defer money into a 401k plan reducing their AGI. Or for someone non-working, like your friends, if they defer money by making IRA contributions. What I found somehow did not surprise me healthcare.gov healthcare.gov Based on this, MAGI does not include income that is tax deferred. So someone could contribute money to an IRA . Or for someone like ummm me, hypothetically I could retire, and then decide to do some part time consulting. And I could shelter the income I receive in either a SEP (limited to 25% of income) or a one man 401k ($18K per year plus an additional 25% of income ) irs.gov So lets say after I retire, my estimated dividends and cap gains will be $50K each year. And assume the cap in PA stays at $64K. I not only could generate self employment or W2 income of an additional $14K, but I could in theory earn $32K and tax defer $18K of it in a 401k and still qualify for the free care None of this makes logical sense to me - but this is the crazy plan the government designed