If I am going to keep riding my bike I need health insurance!

[goldfinch]

This link was really good. eHealth had a lot of info on what will happen in October. I can't find when they will look at your income. I had a really good income until July 9. Now I only have dividends from my stocks. I can withdraw from my ROTH if I need to. And I can get Social Security February. Hopefully I can hold off on that.

http://healthinsurance.about.com/od/...bsidy-Work.htm

. . . Most people won’t want to wait; they’ll choose the advance payment option. However, consider opting to get the subsidy along with your tax refund if:

Your income is very close to 400 percent of FPL.
Your income varies from year to year so you’re not sure how much you’ll make.
When the subsidy is paid in advance, the amount of the subsidy is based on an estimate of your income for the coming year. If the estimate is wrong, the subsidy amount will be incorrect.

If you earn less than estimated, the advanced subsidy will be lower than it should have been. You’ll get the rest as a tax refund.

If you earn more than estimated, the government will send too much subsidy money to your health insurance company. You’ll have to pay back part or all of the excess subsidy money when you file your taxes. Even worse, if your actual income ended up more than 400 percent of FPL, you’ll have to pay back every penny of the subsidy. This could be thousands of dollars.

If you get your subsidy when you file your income taxes rather than in advance, you’ll get the correct subsidy amount because you’ll know exactly how much you earned that year. You won’t have to pay any of it back.

Basically, you can get an estimated subsidy but may have to pay all or part back if you actual income for the year is larger than estimated. Your income for 2014 is what is going to be relevant for your 2014 insurance premiums.