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[Music] hey guys mike frontera here back with another retirement theory video you know one of the more interesting consequences of this pandemic is the surge of people looking more seriously at early retirement of course one of the biggest challenges that retirees face particularly those retiring before the medicare age of 65 is securing affordable health insurance and that challenge however has become far more manageable since the advent of the affordable care act or aca and even more so since the recent passage of the american rescue plan act and since its now open enrollment for health insurance what better time to plan for new coverage for the new year so lets talk about what you can do before year end to make your 2022 health insurance premiums more affordable of course one of the best ways of getting affordable coverage through the aca is by getting a premium tax credit otherwise known as a subsidy i want that and the size of your subsidy is based on your income so lets start
