Laid off before 65? See exactly which account to draw from each year — and keep your health insurance subsidy.
Take your money out in the wrong order and you can lose more than $13,000 of help in a single year. The Bridge to 65 Planner lays out every year until Medicare, with your numbers.
One payment. No subscription. Nothing is charged today.
Are you over the line? A 30-second check
For 2027 health plans, the subsidy stops completely once your income passes a line set by your household size. One dollar over, and you pay full price.
Same person, same money — $13,000 apart
Takes the $40,000 for the mortgage out of the 401(k).
Counted as income: $70,000 — $6,160 over the line.
Health insurance that year:
Pays the mortgage from the savings account instead.
Counted as income: $30,000 — well under the line.
The same plan that year:
The Planner does this for every year until 65: which account, how much, and what it does to your health insurance and your runway.
Illustration: 2027 subsidy rules for the benchmark silver plan; full price is the 2026 national average for a 58-year-old (KFF) — prices in your county differ.
What your plan shows you
- Your safe income range for every year until Medicare — so the subsidy never disappears by accident.
- Which account to draw from, and how much, year by year: severance, 401(k), IRA, Roth, savings.
- Your Rule of 55 window — and the rollover mistake that ends penalty-free access.
- Social Security at 62 vs. later, side by side, in dollars.
- Your runway: how many months your money lasts.
One payment. No subscription. Nothing is charged today.
How it works
- Enter your numbers. Age, savings by account, severance, state — about 5 minutes.
- Get your year-by-year plan. How much to take out, from which account, every year to 65.
- Print it or keep it on screen. Change a number any time and the plan updates.
Questions people ask
Can't I just use the HealthCare.gov calculator?
It tells you this year's price for one income figure. It doesn't tell you which account to take money from, or how to keep every year from 58 to 65 under the line. That's the part the Planner does.
Why $47?
One mistake can cost thousands in a single year. A fee-only financial planner charges a median of about $300 an hour (Kitces Research, 2024). The Planner is a one-time $47, and you can rerun it as often as you like.
Is this financial advice?
No. It's a planning tool that does the math with your numbers and the official rules. For big decisions, take your plan to a tax professional — it makes that meeting shorter.
What if the rules change?
The Planner uses the 2027 rules as they stand today (IRS Rev. Proc. 2026-26, HHS 2026 poverty guidelines). If Congress changes the subsidy rules, the Planner is updated at no extra cost.
I'm not good with computers. Will I manage?
If you can fill in this page, you can use the Planner: plain questions, big text, no jargon.
Who made it
The Bridge to 65 Planner comes from the team behind the Saw It Coming YouTube channel, where we cover what happens to people who lose their jobs late in their careers. The numbers come from official sources: the IRS, HHS and HealthCare.gov.
Rules last checked: November 6, 2026.
Founding price
Nothing is charged today.