MGI Reddit Mentions | ChartExchange

It really depends on how much money you have to invest and what the type of account you are using.
if you are using 401k or roth you can moe money in and out of dividends and growth depending on your income needs. So if you have too much dividend income you could move the money to grwoth. Or you could move money from high tax dividend fund to low tax or no tax dividend funds and still similar income, and a lower MAGI. This can also be done in a taxable acount but it Lismore difficult stink you want to minimal taxes.
Now if you have more than enough captial available to get say 1.3 times you living expenses or more you could get more than enough income to cover living expenses with more than enough money to cover healthcare without ACA subsidies. Once I had enough to cover living expenses I found a health care insurance at about 1K a month. and I still have a significant sumeavaiable to available to investing in dividends. SO I took 1200K and invested invested in SPYI to cover the helthcare expense. Yes that is a large expense. But if you can afford it you don't have to worry about congress cutting ACA benefits again. now your healthcare cost may increase crease over time due to new medical conditions and inflation. But if you account for that you don't need to ACA subsidies and you don't have to limit your income to stay below the MGI limits.
there is no limit on how much dividend income you can get. So if you have enough you don't need ACA subsidies.