01
3 income-management strategies
Compare aggressive Roth conversions, ACA-subsidy optimization, and standard drawdown side by side.
Healthcare Bridge Planner 2026
The pre-65 healthcare gap that ruins early retirement.
Model your bridge from retirement to Medicare. Optimize your MAGI for ACA subsidies. Project Medicare and Medigap costs to age 90.
What you get
Healthcare Bridge Planner 2026
02
ACA subsidy math built-in
Full 2026 subsidy tables and cliff analysis. See exactly where a $1 MAGI increase costs you $8,000.
03
Medicare projection to 90
Part B plus Part D plus Medigap with realistic growth rates. No hand-waving.
Detail
How the tool is built
Bridge
Year-by-year view from 55 to 90
Color-coded per income source: taxable, tax-deferred, Roth, Social Security, Medicare. You see clearly when each source contributes.
ACA
MAGI targeting for maximum subsidy
Every subsidy cliff mapped. You see immediately how much you can convert or realize, without triggering the next tier.
Medicare
Part B, D, and Medigap projected to 90
Realistic growth rates, IRMAA thresholds, plan-cost variation. No hand-waving.
Sources
Sources and assumptions
Show sources and assumptions
CMS for Medicare and ACA parameters, IRS for income thresholds and IRMAA. All sources linked in the Assumptions tab.
Pricing
Three ways to get access
Pick the format that fits. Every option is covered by a 14-day money-back guarantee.
Excel
A single tool
$39 per tool
- Excel + Google Sheets
- Yours forever
- Yearly tax updates included
- 14-day money-back guarantee
Monthly
All 6 tools
$9 per month
- Web app + Excel export
- Continuous updates
- Priority email support
- Cancel anytime
Lifetime
All 6 tools, no renewal
$299 $149 one-time
For the first 100 buyers. After that, $299.
- All 6 tools, no renewal
- Web app + Excel export, permanent access
- Direct email to the founder
- One-time payment
- Break-even after 20 months vs monthly
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.