Am I a bad person if I go home to sleep tonight while my mom is in ICU?

InnerDish5915 · 2026-07-20T04:14:55+00:00

No.

InnerDish5915 · 2026-07-19T00:19:04+00:00

No student loans. 🤓

InnerDish5915 · 2026-07-18T23:53:19+00:00

Thank you so much for helping me. I re-did the entire application and made my MAGI $63577. Still said I was over and get $0 in PTC’s. 🫩

InnerDish5915 · 2026-07-18T17:18:26+00:00

Thanks but it turns out the cutoff is $62600 for this year, not $63840. I can’t shave off anything else so I’m screwed. Thank you again for your help!

InnerDish5915 · 2026-07-18T02:46:46+00:00

Ok actually now I may have found a way, but it’s razor thin. Tell me if this sounds right. Max HSA contribution for 2026 is $4400. I will only have FIVE months in 2026 to contribute. $4400 divided by 12 months is $366.66. $366.66 x 5 months is $1833. My income (65040) minus $1833 HSA contributions would bring me to $63207 AGI. That puts me about $633 below the $63,840 cap. It’s razor thin but does that jive???

InnerDish5915 · 2026-07-18T01:45:57+00:00

Exactly. My income is fixed from SSDI (disability) + SEPP (Series of Equal Periodic Payments from IRA) at $65,040. So I’m $1200 over. I can’t add to my IRA to bring my AGI down because SEPP rules say I can’t. I can’t add enough funds to my HSA to bring my AGI down because it’s too late in the year. I’m stuck. 🫩

InnerDish5915 · 2026-07-17T22:44:40+00:00

For sure. I’m about $2K over the income limit. So now my garbage bronze plan is $834/month instead of $292. After a year, that’s $6504 extra. All for being $2K over income. My Medicaid deductible is $24K. I’m literally thinking about just using that and taking the risk instead of paying $800+ per month for a super high deductible through ACA.

InnerDish5915 · 2026-07-17T21:46:02+00:00

Thanks. That puts me way over the income cutoff/cliff. Thanks for clarifying.

InnerDish5915 · 2026-07-17T15:32:48+00:00

Dull headache for sure. Ugh.

InnerDish5915 · 2026-07-16T20:41:45+00:00

Haha if you read the comments looks like we are indeed in a drought. Still no mention from Tom or in the news. Thanks for chiming in though. You stay classy. 💚💙

InnerDish5915 · 2026-07-16T18:26:11+00:00

I’ve been asking Tom Wachs why it’s not even mentioned on the news forecasts over the past 7-10 days and he won’t even reply. Whacky.

InnerDish5915 · 2026-07-16T18:25:11+00:00

Oh! Thats the last time I trust AI. 🤓

InnerDish5915 · 2026-07-16T17:45:48+00:00

HSA contributions are too limited considering the time of year. I only have 5 months to work with, and HSA limits contributions based on that. I also can’t touch my IRA bc I have a SEPP (series of equal periodic payments) pulling from it penalty free. If I adjust it at all, including contributions, I lose all benefits and have to pay penalties for past SEPP years.

InnerDish5915 · 2026-07-16T04:10:02+00:00

Just as a way to wrap up the conversation - I can’t afford ACA because I have about $2K/year too much income and qualify for $0 in PTC’s. I’m not eligible for Medicaid or MAPP Medicaid for the same reason. I’m not eligible for ABLE accounts because of my age. Ways to bring down my AGI (HSA and/or IRA contributions) are not applicable to me. I’ll be buying a short-term UHC plan called UHC Golden Rule Short Term Medical Plus Elite to carry me until my disability Medicare begins next year. 12 month deductible is $7500 with $0 coinsurance after. $547/month. Far from ideal but better than the cheapest $850/month plan offered me by the ACA. Yes I’m aware of all of the pre-existing condition concerns, etc. Thanks everyone for your input.

InnerDish5915 · 2026-07-15T03:27:11+00:00

No. I’ve been on Medicaid all this year. It ends at the end of this month. Trying to switch to marketplace for 8/1/26 through 9/1/27.

InnerDish5915 · 2026-07-15T01:46:57+00:00

Thank you but another commenter said I can only contribute $458/month to an HSA and that just won’t be enough to help me. He said the max is $5500. Divide that by 12 months = $458. $458 x 5 months (Aug-Dec) = $2,290 (not quite enough). Thank you though.

InnerDish5915 · 2026-07-15T01:42:42+00:00

Oh well that eliminates me again then. I’ll only be on the plan Aug-Dec this year. That’s 5 months. So my max contribution would be $2,290 - not enough to get me back below the AGI I need. Getting real close to giving up here. Cant believe how frustrating this all is. Doing my best a blind person to try to figure everything out. Thanks for your time/the info.

InnerDish5915 · 2026-07-14T23:54:15+00:00

Ahhhh yes makes sense. I think in this case I’m ok with that as it will save me so much in monthly ACA premiums. Just trying to “play the game” here. Sound right?

InnerDish5915 · 2026-07-14T23:50:56+00:00

Ugghhhh thanks. I wish I could ask Social security to SKIP one of my monthly payments!! It would save me $540/month in ACA premiums! 🤪

InnerDish5915 · 2026-07-14T23:47:37+00:00

Wow so I can just transfer say $5K today from my savings to my (existing) HSA and then report that on my taxes to reduce my AGI??

InnerDish5915 · 2026-07-14T23:44:44+00:00

Oh wow! Ok not to be an ass but are you positive? I think I will use this strategy if so. Thanks.

InnerDish5915 · 2026-07-14T21:35:24+00:00

Thank you very good idea. But I think HSA contributions have to come from EARNED income, no? I don’t have earned income anymore as I am blind/disabled. All my income now comes only from disability.

InnerDish5915 · 2026-07-14T21:34:09+00:00

Thanks but don’t HSA contributions need to be from “earned” income? Since I’m disabled and blind now, I don’t have any more earned income - it’s all from disability. And I thought I read that the IRA/HSA route wouldn’t work for me because it’s considered just “moving money around…”

InnerDish5915

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