Will there be updates to include Health Care subsidies?
If you are younger than age 65 you may qualify for health care subsidies and are required to carry health care insurance. Figuring the subsidy manually is a bit obtuse since it is based on your household’s MAGI (modified adjusted gross income).
This calculation should be included in ESPlanner output.
A typical scenario is leaving the workforce before age 65 (Medicare) and needing to purchase health insurance. The premiums are (may?) be deductible and depending on your MAGI you may also qualify for a premium subsidy. The user may want to compare what happens if they move 401K/IRA funds to ROTH accounts in the years with zero earned income. The problem to be solved is if it financially more sound to transfer the 401K funds at the lower tax rate but decreasing the health care subsidy or not.