Laid off before 65? A few dollars over the line can cost you thousands in health insurance.
The Bridge to 65 Planner shows you, year by year, which account to draw from so your money lasts — and your ACA subsidy doesn't disappear.
See How It Works ↓From the team behind the Saw It Coming YouTube channel.
The traps nobody warns you about
Earn one dollar over the limit and your entire ACA subsidy is gone — not reduced, gone. Roll your 401(k) into an IRA at the wrong time and you lose penalty-free access. Claim Social Security at 62 out of panic and your check shrinks for life.
Most people find out after it's too late.
How it works
- Enter your numbers. Age, savings by account, severance, state — about 5 minutes.
- Get your bridge plan. A year-by-year plan to 65: how much to withdraw, from which account.
- Know your runway. See how many months your money lasts and when Social Security makes sense.
What it shows you
- Your subsidy-safe income range for every year until Medicare.
- Your Rule of 55 window — and the rollover mistake that kills it.
- Your Social Security timing, side by side: 62 vs. later.
- Your exact runway in months.
What a plan looks like
| Age | Live on | Counts as income for the subsidy |
|---|---|---|
| 58 | Severance $30,000 + savings $8,000 | $30,000 ✓ under the cliff |
| 59–64 | 401(k) $32,000 + savings $6,000 a year | $32,000 ✓ under the cliff |
Rule of 55: the 401(k) stays in the old employer's plan, so the withdrawals are penalty-free. Rolled into an IRA, they would not be.
Illustration only: before taxes and investment growth. Your own plan uses your numbers and your state.
Who it's for
Built for Americans 55–64 who lost their job and are living on savings until Medicare.