So my dealio is my heath insurance will morph into a bronze plan that costs about $3700 more per year and has higher deductibles and co pays. We currently have what would be called a gold plan next year.
Looking at the exchange calculator my next years costs will depend on what I project my agi to be. If I can tweek the agi enough I won't be paying as much or if I just project low I would be paying less.
Deductions that lower agi are 401k , vehicles and other business expenses. Other tools would be to delay pay until the following year.
So who has a good plan ? I just started to think about this as the exchanges open tomorrow.