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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?

To: QTI on SI who wrote (21832)	11/2/2025 6:44:23 PM
From: mykesc2020	Read Replies (1) \| Respond to of 23248

Yikes! So are you saying that in 2025 you paid $272, per month for the both of you, and now it's $2000? How close to medicare? That blows.

To: QTI on SI who wrote (21832)	11/2/2025 11:25:12 PM
From: macbolan	Read Replies (2) \| Respond to of 23248

RE: My health insurance premium went up by $144/mo for 2026 We get our health insurance thru Covered CA (ACA) and it's with Blueshield of California. Two years ago it went up 400 bucks for 3 of us. A year ago it went up 500 bucks. This year it went up 400 bucks. That's 1300 bucks in 3 years. This year because of the desire in DC to eliminate the Premium Tax Credit (some folks call this a subsidy...and yeah I guess it is, a subsidy to help me afford Health Insurance which goes directly to the Health Insurance Companies...don't get me started on that.) We were paying 1800-2100 bucks per month the past 3 years. This year because the Premium Tax Credit is not there, our health insurance for the two of us (our youngest daughter aged off) is going up to around $3800 bucks PER MONTH. If that aint nuts I don't know what is. I currently have the Silver 73 plan. If I back off to the Bronze plan it's still $3000 per month. I'm still holding out hope that the PTC will get re-instated...I guess those who have health care provided for them don't want to see tax payer money used for it...I get it. But it sure helped us afford health care. Two more years for me till Medicare.

To: QTI on SI who wrote (21832)	11/3/2025 9:29:02 AM
From: Charliebrown7211	4 Recommendations Recommended By jritz0 KCzeslawZ QTI on SI Smart_Asset Respond to 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.