I meant Medicaid but I'm pretty sure marketplace eligibility is also determined by AGI so the same principle would apply. As long as you can keep your spending under the limit, you can put the rest of your income into tax-deferred accounts and still qualify (until your income is so high that you start running up against the contribution limits).

Ah, thanks!

Yeah, looks like there are resource restrictions if you don't have kids under 21.

Also a bit risky depending on your exit strategy and the assest recovery mechanism.

Not going lie either... this is generally the type of behavior that gives these programs a bad name and creates pushes for reforms - using them them to FIRE while maxing out the 401k. Most people are fine with assisting the needy through these types of programs. The support for these programs completely changes when given situations like this. Especially when knowing the over a third of the state budget is used for this program and that my own medical care is more expensive due to provider taxes to help cover it.