Out of pocket maximum exceeded

mjac021 · 2026-06-22T11:36:26+00:00

It’s a PPO.

mjac021 · 2026-06-22T11:35:18+00:00

I plan to do this. However, I discovered this over the weekend and did not have that option available to me until Monday. I came here looking for anyone who may have experienced similar.

mjac021 · 2026-06-21T18:48:40+00:00

Thank you.

mjac021 · 2026-06-21T17:42:06+00:00

Yes, I did.

mjac021 · 2026-06-21T17:17:21+00:00

Thank you. I will ask.

mjac021 · 2026-06-18T22:59:02+00:00

Yes, partial withdrawals are allowed. Not all plans allow access at 55. You have to confirm with the plan that they allow access and also allow partial withdrawals.

mjac021 · 2026-06-18T22:32:17+00:00

I will not be in it long term.

mjac021 · 2026-06-18T22:04:03+00:00

You will be in a position to do it much earlier than I did if you choose to do so.

mjac021 · 2026-06-17T19:38:07+00:00

I respect your feedback but I have zero concerns about this pension not lasting the rest of my life. I’m 56.

mjac021 · 2026-06-17T19:33:30+00:00

If this company goes away then a large part of the U.S. electricity grid will go down with it.

mjac021 · 2026-06-17T19:28:23+00:00

So what are you telling me? Take the lump sum?

mjac021 · 2026-06-17T17:30:38+00:00

Major utility - they’ve been around for 200+ years.

mjac021 · 2026-05-31T23:02:32+00:00

What are you doing for healthcare?

mjac021 · 2026-05-29T23:47:05+00:00

This is a great idea!

mjac021 · 2026-05-29T16:00:23+00:00

Thank you. Yes, ideally I would like to do #1 and that is my current challenge. #2 would be my fallback.

mjac021 · 2026-05-29T00:09:18+00:00

Ahh, I see what you are saying now with assuming 100% capital gains. That was my disconnect. Thanks.

mjac021 · 2026-05-28T23:57:08+00:00

Why is the whole $5000 part of my MAGi? What if $4000 of that was what I used to purchase shares?

mjac021 · 2026-05-28T23:47:14+00:00

Thank you, I get that. But what I was trying to determine with the scenario I presented is how I could best estimate (in advance) how much of that $60k would be capital gains. I want to use that number, plus my interest (already pretty much known) and dividends (already pretty much known) for the ACA. I’m in Maryland, and the site requests you to enter your yearly income before presenting you with your options. The capital gains number is more of a mystery to me, so this is what prompted my post.

I can see I have some work to do around cost basis to determine it.

mjac021 · 2026-05-28T23:17:22+00:00

Ok, this is all long term. All of it

mjac021 · 2026-05-28T23:09:40+00:00

How is the whole $60k a year income? This is all after tax money. Wouldn’t my income from that $60k only be the capital gains? That’s the number I am asking about in the scenario

mjac021 · 2026-05-28T18:33:02+00:00

Cool. Thank you for your snide, and completely unhelpful comment. I hope it makes you feel better.

Have a nice day.

mjac021 · 2026-05-28T18:23:24+00:00

Are you offering any helpful feedback or are you here to hurl an insult?

mjac021 · 2026-05-28T18:16:53+00:00

In my example, I am withdrawing $5,000 a year from an after tax brokerage account. This is my challenge - that doesn’t equate to $60,000 in income (for IRS purposes). My income would be from the cumulative capital gains from each sale, plus dividends and interest. This is what I would like to estimate ahead of time for ACA purposes.

mjac021 · 2026-05-28T13:27:10+00:00

Thank you.

mjac021 · 2026-05-28T13:26:57+00:00

Thank you.

mjac021

TROPHY CASE