65岁以下退休人员在2025年之前以较低的保险费推动市场医疗保险的使用,但如果收入增加,则面临潜在的“幽灵税”。 65-under retirees boost Marketplace health insurance use with lower premiums through 2025, but face potential "phantom tax" if income rises.
65岁以下的年轻退休人员越来越多地使用市场市场医疗保险,由于2025年的税收减免期延长,保险费降低,因此受益人数减少。 Younger retirees under 65 are increasingly using Marketplace health insurance, benefiting from lower premiums due to enhanced tax breaks extending through 2025. 虽然他们可能会面临"幻影税"的风险,如果他们的收入从早期的社会保障索赔或Roth IRA转换中增加,这可能会消除他们对税收抵免的资格. However, they risk a "phantom tax" if income rises from early Social Security claims or Roth IRA conversions, which could eliminate eligibility for tax credits. 专家建议仔细进行财务规划,以保持资格和尽量减少税收,每年可能节省大量退休人员。 Experts recommend careful financial planning to maintain eligibility and minimize taxes, potentially saving retirees significant amounts annually.