The FIRE Health Insurance Math Nobody Models Until Open Enrollment

Episode 52 of The FIRE Podcast with Fexingo. Lucas and Luna break down the single biggest variable that can wreck a FIRE budget: health insurance. Using a case study of a couple retiring at 45 with a $1.2 million portfolio, they walk through the ACA subsidy cliff, the difference between bronze and silver plans, and why modeling a flat 15% healthcare cost inflates your plan by 40%. Plus, a practical framework for stress-testing your FIRE plan against out-of-pocket maximums and rare medical events. If you're within three years of FIRE, this episode could save you six figures. #FIRE #EarlyRetirement #HealthInsurance #ACA #SubsidyCliff #FirePlan #RetirementPlanning #HealthcareCosts #OpenEnrollment #BronzeVsSilver #OutOfPocketMaximum #CostScenario #FIREPodcast #Fexingo #FexingoBusiness #BusinessPodcast #PersonalFinance #FinancialIndependence Keep every episode free: buymeacoffee.com/fexingo