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Message: <blockquote data-quote="Sniper John" data-source="post: 3687645" data-attributes="member: 8580"><p>I don't know if it is something you can do in your financial situation but one of the things to look into is what I did to qualify for full subsidies. I opened a solo 401K for my sol proprietor business and Traditional IRAs for myself and my wife. My wife has an employer that does not offer insurance. I contribute to those accounts pre tax up to the point it lowers our MAGI score to qualify for full subsidies.  I also previously contributed to a HSA and Roth so I have a backup for years I make too much or have an emergency and need to draw funds without effecting my MAGI score. Our insurance ends up costing us around $300 a month total for three. The bad, I probably will not be able to spend any of that money until Medicare age. The good, those brokerage accounts are compounding and getting huge. There is more to it too as I am retired young with a pension and did a rollover with part of it to reduce my yearly pension income, paid off house, and paid off credit cards, and more to be able to do this.</p></blockquote><p></p>