I decided to purchase my health insurance from Colorado's ACA marketplace. I have a Kaiser Permanente
CO Silver 2750/20%/HSA policy with at $2750 annual deductible. I chose this policy because I believe that
I'm indestructible! Actually, I'm betting $2750/year that I won't need to make a claim in exchange for a
lower monthly premium. I discovered that, if I withdraw $185/mo less from my IRA than I planned on, I'm
eligible for the maximum ACA premium income tax credit and this tax credit is much larger than Avaya's
insurance subsidy.
Here is a comparison of my monthly 2017 premium, income tax credit, and my cost vs 2018:
Year/Premium/Tax Credit/My Cost
2017/$692.34/$336.28/$356.06
2018/$937.61/$558.42/$379.19
My policy will renew for 2018 when I make my January premium payment. After the PBGC starts paying
my pension, I'll look into converting my policy from ACA into a standard KP policy.
FYI,
John