Author Topic: ACA Subsidies and 401k  (Read 947 times)


  • Pencil Stache
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ACA Subsidies and 401k
« on: October 14, 2016, 10:42:37 AM »
Quick question.

I couldn't find this on the other ACA threads and please don't turn this into the politically biased mudslinging chaos of the last few months.

Can raising/maxing out your 401k drop you into a different tier on the ACA levels?  I ask because there is potential I would go to an employer without insurance that offers 401k.  Maxing out my 401k contributions would drop me well into the subsidy tiers, I am simply curious if anyone has tried this.

It seems like it should work because the ACA/Marketplace uses your tax return figures- which exclude 401k from any listed field.

Thanks in advance for the responses!


  • Magnum Stache
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Re: ACA Subsidies and 401k
« Reply #1 on: October 14, 2016, 01:53:39 PM »
401(k) contributions do reduce your income for the purpose of calculating ACA subsidies.