Subject: Re: First Withdrawal

Have you seen the discussions about the ACA (Obamacare) and dental insurance?

If you keep your income low enough - generally easy to do in retirement* - you will qualify for very substantial health insurance subsidies, even after the enhanced subsidies went away this year.

We use a Bronze high-deductible ACA plan. This year we qualified for HSA accounts. We do pay a lot out of pocket.


This is what I did after my COBRA coverage from my last job ran out. The subsidy is quite good. I opened an HSA account at Fidelity and promptly plopped that money into BRK.b stock.