Early Retirees: The 2026 ACA Subsidy Cliff Is Back (Here's Your Plan)

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Planning early retirement? 2026 brings two major ACA threats: premiums rising 18% (the biggest jump since 2018) and enhanced subsidies potentially expiring - bringing back the cliff where one extra dollar costs you $10,000+ in credits. In this video, discover how to control your income, avoid the cliff, and keep healthcare costs from derailing retirement.

00:00 Intro
00:39 ACA Basics: Your Starting Line
01:41 2026 Changes
03:05 The Two Levers That Set Your Bill
04:22 The Cliff: How to Stay Safe
05:43 Three Scenarios: Travel, Early Social Security, Business Transition
08:09 What Counts in ACA Income
08:44 2026 Open Enrollment Playbook
09:49 Final Thoughts

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Vitaly Novok is a fiduciary financial planner with Lestna Retirement. He helps people protect their wealth and maximize the lasting impact of their legacy by creating personalized financial and estate planning strategies.

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Disclaimer: This video and its description are provided for informational and educational purposes only. Just to be super clear - no attorney-client, tax-advisor, investment-advisor, or fiduciary relationship is created by watching this content or reaching out to me afterward.
I am not an attorney, so nothing I share should be construed as legal advice. The ideas I discuss are generic in nature and do not constitute personalized investment, tax, or legal recommendations. You'll always want to consult with a qualified attorney, CPA, and financial advisor who can evaluate how these concepts might apply to your specific situation.
Keep in mind that past performance is not indicative of future results, and all investing involves risk, including the possible loss of principal. This content is not an offer to buy or sell any security and shouldn't be relied upon to make investment decisions.
The information I share comes from sources I believe are reliable, but I can't guarantee accuracy. Things change quickly in our field, so what I'm discussing today may become outdated or could be affected by future developments or changes in laws.

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