No. of Recommendations: 3
<There is a strategy, sometimes referred to as a 62/70 split, where the lower earner files early at age 62 based on his or her own benefit and then the higher earner later files at age 70. >

A consideration between age 62 and age 65 (Medicare eligibility) is that the Affordable Care Act (ACA) provides significant subsidies for health insurance which can be worth over $1,000 per month for a couple of this age.

Social Security is counted toward income. The ACA subsidy could be lost if the "subsidy cliff" is exceeded. This complication should be included when deciding which gives higher total benefits to the couple.

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