Ep 53 - The Big Churn: ACA Health Subsidies

First in a multi-part series on churningFIRE, diving deep into early retirement hacks that make FIRE more attainable, and why having a churning mindset is particularly useful.

  • 0:00 - Intro to churning healthcare
  • 6:40 - How ACA actually works
  • 9:57 - Health plan tiers
  • 11:05 - Subsidy #1: Premium Tax Credit
  • 18:17 - Subsidy #2: Cost Sharing Reduction
  • 26:24 - Churning retirement

Show Notes

Health plan tiers

Coming 2024: Platinum Exec Pro Elite

Premium Tax Credit (PCT)

  • Required contribution %
  • Federal Poverty Level (FPL)

Cost Sharing Reduction (CSR)


Further reading


Mentioned in episode


Next time...

  • 🪜 Roth conversion ladders
  • 📈 Glidepath investment strategy