May · The Decision Calendar

The Coverage Bridge

Alex Alston

Before 65, one income threshold decides whether health coverage costs you $200 a month or $1,400. After 65, one enrollment window decides what you can buy later. Find out where you stand on whichever applies.

01Your household

People in your householdEveryone on your tax return Your age Full-price premium you'd payMonthly, before any credit — from healthcare.gov

02Income that counts this year Project the full year, not year-to-date

This is a full-year projection. The threshold is measured on the whole year, so December is too late to discover you crossed it.

IRA and 401(k) withdrawalsEvery dollar counts

Roth conversionsCounts fully — this is the one that catches people

Pension and annuity income

Interest, dividends, capital gainsOnly the gain on a sale, not your principal

Wages or self-employment

Social SecurityThe full benefit, including the untaxed portion

Tax-exempt interestMunicipal bonds count here even though they're tax-free

Income that counts$0

What doesn't count. Enter these to see what you could live on without touching the threshold.

Roth withdrawalsContributions and earnings alike — not income for this

Principal from selling in a brokerage accountYour own money coming back

Cash and savings you spend

03Where you land

04What this tells you

Carry forward

Rose Wealth LLC is a registered investment advisor (CRD #: 334740). Information provided is for educational purposes only, not personalized advice. Our services aim to support your financial journey, but all investments involve risk, including potential loss of principal. Past performance does not guarantee future results. Information believed accurate but not guaranteed. Consult with our team for personalized guidance. Rose Wealth LLC does not provide legal, accounting, or tax advice. Insurance products and annuities offered through John Merkel, Texas Insurance License #943284, are not obligations of Rose Wealth LLC.