Subject: ACA/Obamacare Renewal
We just got the renewal for our Bronze plan:
Monthly premium full-price +19.2%
Slightly lower max out of pocket ($9200 per person instead of $9400)
Losing pediatric dental, which we didn't use since no dentist around here takes it.
All other coverage the same.

Our actual monthly premium will be limited to 8.5% of MAGI for 2025, so if we make the same MAGI the direct cost to us will not go up.

In 2026 that 8.5% cap expires and we'll be back to the subsidy cliff, unless there's a legislative change, which I doubt.

We shall probably stick with this plan for 2025. In 2026 I intend to slow work way down, if not fully retire. It will then likely make sense to go with a more costly silver plan since our taxable income will shrink.