Retirees Face a Healthcare Shock in 2026 | Planning for the ACA Cliff

In this video, Eric talks about one of the biggest hidden risks facing early retirees: the return of the ACA “subsidy cliff” in 2026. For retirees under 65, even a single extra dollar of reported income could trigger up to $18,000 more in annual healthcare costs—a financial trap that could derail the best-laid retirement plans. By planning ahead, retirees can avoid this costly cliff and potentially save tens of thousands of dollars. If you’re planning for early retirement, approaching Medicare, or just want to protect your healthcare budget, this video is for you! Learn how thoughtful planning gives you peace of mind, control, and confidence in your financial future. Call us at 920-672-4232 or go to https://www.meritfinancialadvisors.co... Timestamps: 0:00 The 2026 Subsidy Cliff 0:25 Understanding ACA Plans and Costs 3:02 Income Reporting and Subsidy Calculations 5:18 The True Cost of Falling Off the Cliff 8:30 Tactics for Roth and Taxable Accounts 10:59 Pre-Retirement Planning Moves 13:44 Legislative Outlook and Final Advice - - - - - - - - - - - - - Always remember, "You Don't Need More Money; You Need a Better Plan" 🍿 Subscribe to our channel: https://www.youtube.com/channel/UCVMA... 🏆 Join our Weekly Email Series: https://bit.ly/weekly-email-series 📈 Talk with us about your retirement plan here: https://www.meritfinancialadvisors.co... 📚 The New 60/40: How the Next Generation of Retirees Can Achieve Radical Financial Freedom through Better Safe Investing - https://www.amazon.com/New-60-Generat... Merit Financial Advisors - Headquarters 2400 Lakeview Pkwy, Suite 550 Alpharetta, GA 30009 For more information, please visit www.meritfinancialadvisors.com. Full Disclosure: Nothing on this YouTube video should be considered advice, research, or an invitation to buy or sell securities. For a full disclaimer, please refer to the terms and conditions in our firm brochure. Investment advice offered through Merit Financial Group, LLC, an SEC-registered investment adviser.