Personal Finance (Not Investing) • Zero taxes on SS?

That will have to wait until 2028. My wife is on an ACA plan next year, so I need to keep MAGI under the cliff in 2027. 2028, I have some options.

Your might find these two articles useful:

• Roth Conversion and Capital Gains on ACA Health Insurance
• Roth Conversion with Social Security and Medicare IRMAA

Thank you. Unfortunately, the first link won't help. We will be right up against the $85K limit for subsidies without any Roth conversion at all, so there is no room. The second link will be helpful the following year when ACA isn't an issue.

Statistics: Posted by Tom_T — Thu May 21, 2026 5:44 am — Replies 8 — Views 672

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