Let's say your adjusted gross income is $100K, 7.5% of 100K is 7500.
If you pay your obamacare premium, anything over $7500 is deductible as medical expense in itemized deduction.
But sometimes you might not eligible for itemized deduction. Let's say your other deduction is only $20K, and the standard deduction for married couple is $27750, you are 7750 short from itemized deduction, so your health insurance premium has to be more than 7750+7500 = $15250 in order for you to start deduction.
目前纯粹的现金存款不多，早退休后必须卖一些股票才能过正常生活。问题是我那些股票一旦售出， capital gain 就算收入，退休后的收入（主要是股票分红以及售出股票获利的部分）超过400%联邦贫困线导致无法买Obamacare。
向银行借款（HELOC)也许是一个办法，可利息太高了。
各位早退休的是如何解决医疗保险问题的？
两个人一个月保费两千多，都从公司账里走掉，还不是最贵的。
Last known address 或合约上注明的送信地（字面上看都是商业所在地地址）
但我想再挂号寄张复印的给租客住家地址（申请表上有），这会不会画蛇添足啊？
推荐小孙班长今天晚上的免费讲座：退休前的医疗保险1， 2， 3。。。 - 螺丝螺帽发表于 跨国婚恋 - 论坛 | 文学城 (wenxuecity.com)
最牢靠的是送到租约上面的地址，家庭地址如果在租约上，你应该送过去。不是挂号信，而是亲自人送过去。如果家庭地址不在租约上，仅仅是你偶尔得知的，不要把家庭地址扯进去。
送notice，贴在门口就可以。打驱逐官司的summon，送三次找不到人，可以用nail and mail。留下每次登门的记录。
Let's say your adjusted gross income is $100K, 7.5% of 100K is 7500.
If you pay your obamacare premium, anything over $7500 is deductible as medical expense in itemized deduction.
But sometimes you might not eligible for itemized deduction. Let's say your other deduction is only $20K, and the standard deduction for married couple is $27750, you are 7750 short from itemized deduction, so your health insurance premium has to be more than 7750+7500 = $15250 in order for you to start deduction.
O8Care 的目的，就是给商业保险订标准，必须保一系列项目，还不能exclude preexisting conditon。作为交换，O8Care要求所有成年人都要投保，否则每年罚NN元。所以大部分商业医保都是ACA compliant
see https://www.healthinsurance.org/glossary/aca-compliant-coverage/
所以ObamaCare通过以后为什么保险贵了，就是因为保险不能随便剔除病人，不能随便挑拣保险覆盖。
当然，你可以买non ACA compliant insurance， see https://www.ahix.com/health-insurance/non-qualified-health-plans 但是这些plan主要是temporary health insurance，比如给访美人士的。
不可能干到65退休，保险该怎么买就怎么买。
查查Long term capital gain rate 就知道了。
可惜俺家退休后十年内还有DCP里的钱得拿出来，无法利用这个优势。
it is less than 20 K a year.
Few friends (they are all having their own business, self-employed) told me about this.
for a family of 4