Yep, this. For non-expansion states (not applicable to you OP, you're good in WA!), if you find yourself with an income too low to quality for ACA subsidies, y

Yep, this. For non-expansion states (not applicable to you OP, you're good in WA!), if you find yourself with an income too low to quality for ACA subsidies, you may be able to for example do 401K -> Roth IRA conversions to raise your MAGI. Also ACA eligibility is based on your estimate for next year's income. If you make more than expected you may have to pay back subsidies, but if you make less than expected - provided it was an honest best-effort estimate - my understanding is they historically don't try to claw it back or anything. More about states without expanded medicaid: https://www.cbpp.org/research/health/the-medicaid-coverage-gap https://www.cbpp.org/research/health/the-medicaid-coverage-g... ACA self-employed income: https://www.healthcare.gov/self-employed/income/ https://www.healthcare.gov/self-employed/income/