HOW the One Big Beautiful Bill Act (OBBBA) CHANGES Early Retirement HEALTH INSURANCE
This video reveals how 2026 health insurance changes could cost early retirees thousands, risking their financial freedom. Sign Up Free to Manage Your Financial Picture 👉 https://empower.sjv.io/554EG1 🛒 SHOP OUR AMAZON STORE https://amzn.to/44i7fdM Check out and subscribe to our travel channel 😎👉 / @40northtravels 📚 BOOKS THAT SHAPED US Check out The Psychology of Money: https://amzn.to/4ngdyq1 Get a copy of I Will Teach You to Be Rich: https://amzn.to/43ZnaOq Download a copy of The Simple Path to Wealth: https://amzn.to/4nmOpds 🎥 OUR GEAR (for aspiring creators) Get the best Laptop: https://amzn.to/4caXXkP Buy our favorite Camera: https://amzn.to/4hxcawx Grab a Microphone: https://amzn.to/3APXbN8 🌍 DIGITAL NOMAD ESSENTIALS Download our Retire Cheap Guides: https://www.40northtravels.com/retire... Get Started with a VPN: https://get.surfshark.net/SH48f Get Connected with an eSIM: https://airalo.pxf.io/QjEb1x Purchases made through some store links may provide some compensation to 40 North Media. As an Amazon Associate I earn from qualifying purchases. Empower Personal Wealth, LLC (“EPW”) compensates 40 North Media for new leads. 40 North Media is not an investment client of Empower Advisory Group, LLC. 💼 RECOMMENDED FINANCE TOOLS Download our Financial Freedom 40+ Guide: https://www.40northfinances.com/produ... Get your Free FIRE Starter Guide: https://www.40northfinances.com/social/ 😊 SUPPORT US DIRECTLY https://www.40northfinances.com/suppo... This video is my breakdown of how the One Big Beautiful Bill Act could blow up early retirement health insurance for people like us who rely on ACA premium tax credits and Medicaid. I walk through what happens in 2026 with the subsidy cliff, the 400% FPL line, and how moves that usually feel smart—like Roth conversions or taking capital gains—can suddenly add around $12,000 a year to your health insurance bill if you are not planning for it. I share Rachel and Greg’s real story, then connect it to the choices early retirees are facing right now, including new Medicaid work requirements and rising expected contributions. From there, I walk you through the practical strategies I am seeing people use to protect subsidies, structure retirement income, time big one-off events, and decide when it might even make sense to move states. If you are planning to retire before 65—or already pulled the plug early—this is me giving you the playbook I wish I had when I first saw these changes coming. ⏱️ CHAPTERS 0:00 Early Retirement At Risk In 2026 1:16 Rachel’s $1,000/Month Premium Shock 2:25 How ACA Subsidies Made Retirement Work 3:25 The 2026 Subsidy Cliff Explained 3:56 Crossing 400% FPL = Zero Subsidy 4:49 Extra $12,000/Year In Health Costs 5:19 Medicaid Work Rules Start In 2027 7:16 Roth Conversions That Kill Subsidies 7:52 Capital Gains That Trigger The Cliff 8:28 Four Moves To Protect Your Subsidies 9:55 Why Your State And A Tax Pro Matter 10:49 Plan Now Or Your 2026 Budget Explodes 📺 MORE 40 NORTH CONTENT Travel Channel / @40northtravels Walking Tours / @40northwalks Street Food / @40northstreetfood 🤝 CONNECT Read Our Finance Blog: https://www.40northfinances.com Follow Us On Instagram: / 40northfinances Sign Up For Our Newsletter: https://www.40northfinances.com/social/ #EarlyRetirement #FinancialFreedom #40NorthFinances –––––––––––––––––––––––––––––– Disclaimer: The information provided is for educational purposes only and should not be construed as financial advice. Consult with a qualified financial advisor before making financial decisions.
