A retiree who is not yet on Medicare will often need to purchase private health insurance. If their income is low, they will qualify for a subsidized plan. However, this is also the time when they have the best opportunity to do Roth conversions while in a low tax bracket. However, doing the conversion may reduce or eliminate their health insurance subsidy. This is a challenging decision to make. How much if any Roth conversion should I make, and how will it effect my health care insurance premiums?