Well crap, I have to stop playing dollar VP. Not because I can't afford it, but because the W2Gs are pushing us over the AGI limit for affordable insurance. Just going to have to play quarters and avoid any $1,199+ progressives. We buy our own insurance and the $10k in W2Gs last year that is included in gross income pushes us over the income limit for any subsidy. Yes, you can deduct losses against winnings, but that doesn't factor in until you get to deductions, which comes after AGI. I'm not whining, it's a nice problem but it is going to affect my gambling experience. There goes Emerald & the Gold Card after 10/31.