Mary Wilson-Smith

In an illustrative US case, two 58-year-olds with $1.5M in a 401(k) plan for health coverage until federal senior health coverage begins at age 65.
For 2027 coverage, a two-person household’s premium tax credit ends above an income threshold near $86.6K, making income planning important for early retirees.
In the example, a $30K retirement account conversion raises income from $60K to $90K, eliminating an assumed $18.3K premium credit for 2027 coverage.
To manage eligibility, consider taxable accounts first and size conversions after income is clearer; the credit can shrink even below the eligibility threshold.
Marketplace enrollment opened November 1, 2026, and runs through January 15, 2027, in most states. Generally, enroll by December 15 for January 1 coverage.

Health Insurance Is the Bigger Bill, Not Taxes

Check official flood maps for your address: homes outside designated zones can still flood, while some federally regulated mortgages require coverage inside them.
Inspect your yard during and after heavy rain. Water pooling near the foundation and soil sloping toward walls can signal drainage issues.
Consider the property's elevation and nearby waterways or storm drains. Low lots can collect runoff, and drainage conditions help determine how water moves.
Look for basement stains, musty smells, mold, and cracks. Trace moisture to its source, photograph visible damage, and address both mold and dampness.
Check your sump pump's condition and consider battery or generator backup. Review flood coverage and revisit the flood map when it is redrawn.