Uploaded December 2025 | Updated September 2026, 1 day ago
Starting in 2026, ACA subsidy rules may revert back to the old system — meaning if your income is even $1 over 400% of the federal poverty level, you could lose your subsidy entirely. In this video, we go over four ways to legally lower your Modified Adjusted Gross Income (MAGI) so you can stay eligible. Learn how to use IRAs, HSAs, tax-loss harvesting, business income deferral, and even Roth IRA withdrawals to manage your income if you’re close to the cutoff.
0:00 – ACA Subsidies Are Changing
0:52 – Why Subsidies May Shrink in 2026
1:19 – Tip #1: Use IRAs & HSAs to Reduce MAGI
2:06 – Tip #2: Tax-Loss Harvesting to Lower Income
2:55 – Tip #3: Business Owner Income Deferral
3:33 – SEP IRA & Solo 401(k) Options
3:58 – Tip #4: Use Roth IRA Withdrawals Strategically
4:49 – Reducing Work Hours if You’re Right on the Line
5:24 – Get Ready for 2026: Plan Ahead
5:42 – Work With Jazz Wealth for Income & ACA Planning
Jazz Wealth Managers helps individuals and families achieve financial security through retirement planning and investing strategies. Our videos offer actionable guidance on navigating Roth IRA's, 401ks, IRAs, Social Security, and more. Whether you're approaching retirement or just getting started, learn how to make informed financial decisions for a prosperous future. Subscribe for more!
#retirement #retirementplanning #dohstr8
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Jazz Wealth Advisors was recently ranked #36 among financial advisors in the USA by USA Today (Financial Pros) as of April 2025. This ranking was published on 04/22/2025 and was prepared by the Financial Pros without any compensation paid by Jazz Wealth Advisors. The ranking is based on advisors with an AUM of up to $500M. Rankings and recognition from rating services are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance. For more information about the methodology used in this ranking and other important disclosures, please visit USAToday.com. Jazz Wealth Advisors is a registered fiduciary investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.
Starting in 2026, ACA subsidy rules may revert back to the old system — meaning if your income is even $1 over 400% of the federal poverty level, you could lose your subsidy entirely. In this video, we go over four ways to legally lower your Modified Adjusted Gross Income (MAGI) so you can stay eligible. Learn how to use IRAs, HSAs, tax-loss harvesting, business income deferral, and even Roth IRA withdrawals to manage your income if you’re close to the cutoff.
0:00 – ACA Subsidies Are Changing
0:52 – Why Subsidies May Shrink in 2026
1:19 – Tip #1: Use IRAs & HSAs to Reduce MAGI
2:06 – Tip #2: Tax-Loss Harvesting to Lower Income
2:55 – Tip #3: Business Owner Income Deferral
3:33 – SEP IRA & Solo 401(k) Options
3:58 – Tip #4: Use Roth IRA Withdrawals Strategically
4:49 – Reducing Work Hours if You’re Right on the Line
5:24 – Get Ready for 2026: Plan Ahead
5:42 – Work With Jazz Wealth for Income & ACA Planning
Jazz Wealth Managers helps individuals and families achieve financial security through retirement planning and investing strategies. Our videos offer actionable guidance on navigating Roth IRA's, 401ks, IRAs, Social Security, and more. Whether you're approaching retirement or just getting started, learn how to make informed financial decisions for a prosperous future. Subscribe for more!
#retirement #retirementplanning #dohstr8
---Ready to subscribe---
youtube.com/jazzwealth?sub_confirmation=1
For more information visit:
jazzwealth.com
--- Instagram @jazzWealth
facebook.com/JazzWealth
--- Twitter @jazzWealth
Business Affairs 📧Support@JazzWealth.com
Jazz Wealth Advisors was recently ranked #36 among financial advisors in the USA by USA Today (Financial Pros) as of April 2025. This ranking was published on 04/22/2025 and was prepared by the Financial Pros without any compensation paid by Jazz Wealth Advisors. The ranking is based on advisors with an AUM of up to $500M. Rankings and recognition from rating services are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance. For more information about the methodology used in this ranking and other important disclosures, please visit USAToday.com. Jazz Wealth Advisors is a registered fiduciary investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.
