The Obamacare subsidy cliff is back for 2026: earn $1 over $62,600 as a single person and your premium tax credit drops to zero — and a 64-year-old just over the line pays about $11,168 more a year for the same plan, roughly $930 more every month. Open enrollment starts tomorrow, November 1st, and a deductible IRA or HSA contribution before year-end can pull your income back under the line. Follow US Money Guide for daily money tips!
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