01
3 income-management strategies
Compare aggressive Roth conversions, ACA-subsidy optimization, and standard drawdown side by side.
Healthcare Bridge Planner 2026
The pre-65 healthcare gap that ruins early retirement.
Model your bridge from retirement to Medicare. Optimize your MAGI for ACA subsidies. Project Medicare and Medigap costs to age 90.
$9 · One-time purchase
1 / 8 What you get
Healthcare Bridge Planner 2026
02
ACA subsidy math built-in
The 2026 IRS contribution scale and 400% FPL eligibility cliff are built in with editable assumptions.
03
Medicare projection to 90
Part B plus Part D plus Medigap with realistic growth rates. No hand-waving.
Detail
How the tool is built
Bridge
Year-by-year view from 55 to 90
Color-coded per income source: taxable, tax-deferred, Roth, Social Security, Medicare. You see clearly when each source contributes.
ACA
MAGI targeting for maximum subsidy
Compare three MAGI scenarios and see how the 2026 contribution scale and 400% FPL cutoff affect estimated premiums.
Medicare
Part B, D, and Medigap projected to 90
Realistic growth rates, IRMAA thresholds, plan-cost variation. No hand-waving.
Trust and method
Understand the assumptions, not just the answer
Built with financial expertise
Created by Christian Elkrog, an economist and tech founder with more than a decade of experience and a successful company exit.
Not a black box
Inputs, assumptions, formulas, sources, and limitations are visible so you can understand each result.
Your figures stay with you
No account connection or hidden data collection. Slowshore never receives the information you enter.
Sources
Sources and assumptions
Show sources and assumptions
CMS for Medicare premiums and IRMAA, IRS for the Premium Tax Credit scale, and official Marketplace links for local quotes. Sources are linked in the workbook.
Pricing
Start with this workbook or choose the full bundle
Start with this workbook for $9, or get all 8 for $59. One-time purchase with no subscription.
Excel
A single tool
$9 per tool
- Excel + Google Sheets
- Example, blank version, and start guide
- No subscription – keep the file
- Corrections to 2026 edition included
- One-time purchase
- 14-day money-back guarantee
Bundle
All 8 workbooks
$59 one-time
- All 8 Excel workbooks
- 8 complete packages with example, blank version, and guide
- No subscription – keep the files
- Corrections to 2026 edition included
- One-time purchase
- 14-day money-back guarantee
Looking for the browser version? Join the waitlist.
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.