Bogleheads.org

maestro1868

lakpr wrote: ↑Tue Jan 24, 2023 6:11 pm In my 401(k) plan, you cannot buy a fund that you sold for 60 days. Automatic payroll deposits are exempted.

These rules are put in place to discourage frequent trading within the retirement plans, which can wreak havoc in terms of accounting etc.

Ahh...thanks for this insight lakpr!

maestro1868

Thank you Runninginvestor and Fposte!

I will reach out to my employer to see how this is handled.

Otherwise, it seems very straightforward.

maestro1868

Hello,

At the moment, we are contributing to a 403b 2030 Target Retirement Fund using Vanguard.

We would like to change our 403b 2030 Target Retirement Fund to a 2035 Target Retirement Fund.

What is involved in making this transaction? Is it allowed? Any IRS considerations?

We are just going from one Vanguard fund to another Vanguard fund.

Thanks in advance.

maestro1868

Charon wrote: ↑Tue Nov 30, 2021 4:49 pm
maestro1868 wrote: ↑Mon Nov 29, 2021 2:06 pm This is the confusion I have at this time. "I'm close to both boundaries".

So you recommend redirecting more contributions toward the 457b Roth and less toward the 403b?
No. At worst your tax bracket will be the same in retirement, so Roth vs. trad is a wash. At best your bracket will be substantially lower, so trad is better. The wiki page discusses subtleties around this, but that's the basic comparison to do.

Thanks for the reply.

maestro1868

Charon wrote: ↑Mon Nov 29, 2021 2:00 pm
maestro1868 wrote: ↑Mon Nov 29, 2021 1:50 pm No, I'm not planning on withdrawing money prior to age 59.5.
So I think your question boils down to ye olde Roth vs. traditional, which is well covered on the forum and in the wiki: https://www.bogleheads.org/wiki/Traditional_versus_Roth . The numbers you've provided suggest you're currently in the 35% bracket and could be in the 24% bracket in retirement, which make it a very easy decision. But you're close to both boundaries.

Charon,

Thanks for the reply.

This is the confusion I have at this time. "I'm close to both boundaries".

So you recommend redirecting more contributions toward the 457b Roth and less toward the 403b?

Thanks again.

maestro1868

Will you also be getting SS? What age(s) will you be in 2031?
[/quote]

I will be 59 in 2031.

maestro1868

retire2022 wrote: ↑Sun Nov 28, 2021 10:46 pm
maestro1868 wrote: ↑Sun Nov 28, 2021 8:12 pm
Thanks for the reply Retire2022.

At this time, we need to make some decisions about how much we are going to allocate toward the 403b and 457b Roth. Initially, our goal was to max out both plans. However, we realized that perhaps allocating less to the 403b and more toward the 457b Roth is a better strategy for the long term.

maestro1868

Charon wrote: ↑Sun Nov 28, 2021 10:32 pm Are you planning on withdrawing money prior to age 59 1/2? You don't post your age, but you say you'll retire in 9 years and imply you haven't yet hit 50.

If so, go with the 457, but I agree with pizzy that you should use traditional. Your income will be lower in retirement. If you want some Roth, do a Roth IRA (backdoor, at your income level).

Thank you for the reply.

No, I'm not planning on withdrawing money prior to age 59.5.

maestro1868

Nate7out wrote: ↑Sun Nov 28, 2021 7:42 pm See post linked below. It notes the 1 drawback of Roth 457.

viewtopic.php?p=5541684#p5541684

Thanks for highlighting the Roth 457 drawback. I haven't heard of that one.

maestro1868

pizzy wrote: ↑Sun Nov 28, 2021 7:11 pm
maestro1868 wrote: ↑Sun Nov 28, 2021 6:47 pm
pizzy wrote: ↑Sun Nov 28, 2021 6:44 pm what tax bracket? Is the 457 governmental?
24%

457 is via New York State Deferred Compensation Plan

Thanks for the look!
At 24%, I would do all traditional (403 and 457)

Thanks for the reply.

Unfortunately, at this time I can't max out both plans. So, I was thinking of contributing less to my 403b and more to my 457b Roth. Since I'm only 9 years away from retirement, I was thinking of shifting contribution strategy.

However, I'm not sure if this makes any difference in my situation.

Thanks for your perspective. Much appreciated.

maestro1868

pizzy wrote: ↑Sun Nov 28, 2021 6:44 pm what tax bracket? Is the 457 governmental?

24%

457 is via New York State Deferred Compensation Plan

Thanks for the look!

maestro1868

Hello all, I hope everyone had a great Thanksgiving with friends and family. We are trying to determine how to split 403b and 457 ROTH (New York State Deferred Compensation Plan) contributions. The plan is to retire in 9 years from our professions in education. The details: His Income: $126K + $20K (moonlighting gig) = $146K Her Income: $132K His future pension: 90k (2031) Her future pension: 98k (2031) His/Her Yearly 403b contributions: $39k His/Her Yearly 457 Roth Contributions: $34K His/Her 403b Nest Egg: $416K His/Her 457 Roth Nest Egg: $40K Should we redirect all our energy to the maximizing the ROTH contributions. At 50 years of age, we can increase our ROTH contributions to $26K per year. Our thinking is to contribute less to the 403...

maestro1868

Check out the book titled, "Your Money or Your Life".

maestro1868

Sandtrap wrote: ↑Tue Jan 05, 2021 9:30 am "A Hau'ole Makahiki Hou"!
Happy New Year fellow bogleheads!

Aloha
j

OP: suggest you edit your original post title to include something like: "Happy New Year" using the pencil icon.
Many will not "click" on a title that reads: "Just Because. . . " and nothing else. Thanks.

You're right...I changed it.

Thank you.

maestro1868

Happy New Year Bogleheads!

I want to thank all those folks who graciously gave of their time to help me understand my financial picture.

You guys gave me the tools to achieve more awareness and more control of my personal investments.

Lastly, thank you to the administrators that keep this website going.

Happy New Year.

maestro1868

Consider reading the book "Your Money or Your Life".

Ask yourself the real hard questions:

1. Who is actually winning if you buy this massive house? You? Your family? All the players that stand to make a killing on the transaction? Local government (property taxes)?

2. Can you and your family live a healthy productive life with a house that is half the cost?

3. How much "life energy" do you and your family need to give up to live in a nice "box"? Your time and your sacrifice to generate income = life energy.

In the end, when your time is up...you won't take the house with you.

Stay focused on what matters: your health, your family, your financial independence, and your contributions to community.

maestro1868

retired@50 wrote: ↑Mon Oct 19, 2020 8:16 pm
rvfigs wrote: ↑Mon Oct 19, 2020 8:11 pm I don't want to waste anyone's time teaching me excel
If you're truly curious about learning Excel, you might be able to find a course at a community college or continuing education center for adults. Once you start to get the hang of formulas and the "help" in Excel, you can usually muddle through. At least if you take a class, you'll have a teacher to ask for assistance.

Regards,

I will probably need to take a video course online. I have a young family to raise and being absent for even a few hours is tough

Thanks for the reply.

maestro1868

During retirement, I think our tax rate will be high :( I use this type of spreadsheet to map out income streams. You can make a copy and modify to fit your details. I've begun with both spouses 43 years of age and retiring at age 55. Current income 150,000 increasing at 2% per year. One spouse begins SS at 62. The second spouse begins SS at 70. See https://opensocialsecurity.com/ for further resources. 85% of Social Security income taxable. 403b balance of 360,000 with annual contributions of 19,500 through age 55 and 5% return through age 55. Using the 2021 Proposed RMD Table. Keep in mind tax brackets are scheduled to revert to pre TCJA levels in 2026. And, brackets have historically been indexed, so the top of the 24% bracket should be...

maestro1868

During retirement, I think our tax rate will be high :( I use this type of spreadsheet to map out income streams. You can make a copy and modify to fit your details. I've begun with both spouses 43 years of age and retiring at age 55. Current income 150,000 increasing at 2% per year. One spouse begins SS at 62. The second spouse begins SS at 70. See https://opensocialsecurity.com/ for further resources. 85% of Social Security income taxable. 403b balance of 360,000 with annual contributions of 19,500 through age 55 and 5% return through age 55. Using the 2021 Proposed RMD Table. Keep in mind tax brackets are scheduled to revert to pre TCJA levels in 2026. And, brackets have historically been indexed, so the top of the 24% bracket should be...

maestro1868

During retirement, I think our tax rate will be high :( I use this type of spreadsheet to map out income streams. You can make a copy and modify to fit your details. I've begun with both spouses 43 years of age and retiring at age 55. Current income 150,000 increasing at 2% per year. One spouse begins SS at 62. The second spouse begins SS at 70. See https://opensocialsecurity.com/ for further resources. 85% of Social Security income taxable. 403b balance of 360,000 with annual contributions of 19,500 through age 55 and 5% return through age 55. Using the 2021 Proposed RMD Table. Keep in mind tax brackets are scheduled to revert to pre TCJA levels in 2026. And, brackets have historically been indexed, so the top of the 24% bracket should be...

maestro1868

Hello everyone, I need some help developing an excel spreadsheet for income streams...for two people. Sahara provided me with one a few weeks ago which was terrific. Unfortunately, I tried to manipulate the spreadsheet but I failed miserably. I don't know anything about formulas and excel. I need a spread sheet that considers the following: a. Year b. age c. Two incomes streams with salary increases of 1% each year d. Two pensions e. Two social securities incomes f. Two 403bs g. Two 457b roths h. RMD i. RMD factor j. tax brackets I'm hoping someone can help me. Thank you. Maybe this will help: https://www.bogleheads.org/wiki/Retiree_Portfolio_Model Thank you for the reply. Wow...that is too complicated for me at this time :shock:

maestro1868

Dottie57 wrote: ↑Thu Oct 15, 2020 3:40 pm What exactly are you trying to figure out?

Hello,

Thank you for the reply.

I clearer picture of what retirement will look like with different streams of income.

Sahara gave me a really good excel spreadsheet. I just don't know how to manipulate it for my purposes.

Unfortunately, I can't attached anything. Don't see options for attachment.

maestro1868

Hello everyone,

I need some help developing an excel spreadsheet for income streams...for two people.

Sahara provided me with one a few weeks ago which was terrific. Unfortunately, I tried to manipulate the spreadsheet but I failed miserably. I don't know anything about formulas and excel.

I need a spread sheet that considers the following:

a. Year
b. age
c. Two incomes streams with salary increases of 1% each year
d. Two pensions
e. Two social securities incomes
f. Two 403bs
g. Two 457b roths
h. RMD
i. RMD factor
j. tax brackets

I'm hoping someone can help me.

Thank you.

maestro1868

Excellent question.

The best investment we ever made in our children's lives was TIME.

1. Made it a priority to place family over career ambitions
2. Used our sick time to attend school functions
3. Kept sacred family dinner time
4. Made it a priority to create long lasting memories with road trips in the summer
5. Never purchased new cars...used the money instead for enrichment education, music lessons, etc.
6. Reminded our kids to work hard, to be tolerant, to be kind & respectful, to love family, to find passion, to help others, etc.

Regardless of any life challenges that surfaced in the family, we ALWAYS made TIME for the above.

maestro1868

Thank you for this information it was very helpful. I did the Vanguard Questionnaire. It give me a 60% stock and 40% bond fund allocation strategy? I'm still struggling with my fund allocation strategy. Initially I had the following: 64% in NYSDCB Equity Index U/A (CIT) - Large Cap Funds 20% in NYSDCB US Debt Index U/A (CIT) - Bonds 16% in NYSDCP International Equity Fund - Passive Maybe I should consider this approach: Large Cap Fund 84% NYSDCB Equity Index - ER 0.01 International Fund 16% International Fund - ER 0.15 As a teacher you should review your pension tier and see what the projected payout will be. Since I am Civil Service under ERS, my retirement payout is slightly different from teacher. https://www.osc.state.ny.us/retirement/...

maestro1868

Hello Boggleheads - new poster here. Love this site. Trying to put together a 3 fund portfolio within the New York State Deferred Compensation Plan. I don’t see the commonly recommended funds such as those in Taylor Larimore’s book and was hoping for some Bogglehead advice to get as close as possible to the 3 fund approach with what is there. Here is what I am looking at because they have the lowest net cost. NYSDCB US Debt Index Unitized Account (Invests in a portfolio of assets whose performance seeks to match the performance of the Barclays U.S. Aggregate Bond Index.) Net cost per $1,000: $0.20/$1,000 NYSDCB Equity Index Unitized Account (CIT) (A passive large-cap equity option that invests in a portfolio of assets whose performance see...

maestro1868

I would not bother with the bond fund since you have a pension and it functions like a bond. Additionally you could contribute to both 457 & 403b and be a oversaver. I maxed out my 457 contributions and Roth IRA hence is why I have a large balance in 457 ie 1.9 million as of today’s closing price, 1.29 million in 457 and 550k in Roth IRA. I will be hit with large tax bill filing Single at 72 with RMD. Best Retire2022 Thank you Retire 2020 for you reply and insight. Currently, my wife and I both max out our 403bs each year. What kind of allocation percentages do you recommend using the NYSDCP? My wife and I have about 12 years to retirement. Everything I read said it's a good idea to include bonds in your allocation strategy. I'm still ...

maestro1868

That link doesn't include expense ratios, so you probably want to try to track those down, but the the investments you've selected are the ones I would think are the most likely candidates. If you're happy using the target date fund in your 403(b) that could also be a good option too, though you'd want to see if you can find the expense ratio and how it's invested. The idea with bonds is that they provide good base that's unlikely to lose value so they can provide for your basic spending even if the markets are doing well. With substantial pensions and social security you may not need that. Will your pensions start as soon as you retire? How does your basic/necessary spending (if you cut out some luxuries) compare to what your pensions and...

maestro1868

Agreed, I would consider your pension to be your bond allocation, but otherwise seems reason. I might have missed it, but how are your 403(b) and any other accounts invested? Your asset allocation should be consider across accounts to make sure everything is working together. Thank you Terran for your input. My wife and I both max out our 403b in a Vanguard Target Retirement Fund: Vanguard Total Stock Market Index Fund Investor Shares 41.40% Vanguard Total International Stock Index Fund Investor Shares 27.00% Vanguard Total Bond Market II Index Fund Investor Shares† 22.10% Vanguard Total International Bond Index Fund Investor Shares 9.50% Now I'm trying to put together a plan for my 457b Roth. Here are the options I currently have under th...

maestro1868

I would not bother with the bond fund since you have a pension and it functions like a bond. Additionally you could contribute to both 457 & 403b and be a oversaver. I maxed out my 457 contributions and Roth IRA hence is why I have a large balance in 457 ie 1.9 million as of today’s closing price, 1.29 million in 457 and 550k in Roth IRA. I will be hit with large tax bill filing Single at 72 with RMD. Best Retire2022 Thank you Retire 2020 for you reply and insight. Currently, my wife and I both max out our 403bs each year. What kind of allocation percentages do you recommend using the NYSDCP? My wife and I have about 12 years to retirement. Everything I read said it's a good idea to include bonds in your allocation strategy. I'm still ...

maestro1868

Hello all,

I'm finally ready to enroll in the 457b Roth option in my school district.

I'm hoping that some of you can give me some feedback on my allocation percentages. Where did I get these numbers from? Boglehead Guide to Investing and The Coffee House Investor.

64% in NYSDCB Equity Index U/A (CIT) - Large Cap Funds

20% in NYSDCB US Debt Index U/A (CIT) - Bonds

16% in NYSDCP International Equity Fund - Passive

The passive fund has a cheaper ER. I did read that there is considerable debate on the topic of active and passive funds. I want to keep things simple

As always, your feedback and insight is always appreciated

maestro1868

Retire2022, So sorry...I didn't mean to derail the original post. I'm a newbie still learning the etiquette of this community. Again, my sincere apologies :( No worries no need to apologize I’m a direct communicating person. If you have additional questions to your particular situation you could always private message me on my profile. Additionally you and others could also search through my previous discussions on 457 on my profile. There are others here who I feel knows more about 457 plans in general such as krow36 and ruralavalon. We all learn from each other. I must state nationwide runs the NYSDCP website and it is worst than Vanguard website. The literature is hard to search for and navigate and locate. The plan rules are hidden as ...

maestro1868

Retire2022,

So sorry...I didn't mean to derail the original post.

I'm a newbie still learning the etiquette of this community.

Again, my sincere apologies

maestro1868

Hello Boggleheads - new poster here. Love this site. Trying to put together a 3 fund portfolio within the New York State Deferred Compensation Plan. I don’t see the commonly recommended funds such as those in Taylor Larimore’s book and was hoping for some Bogglehead advice to get as close as possible to the 3 fund approach with what is there. Here is what I am looking at because they have the lowest net cost. NYSDCB US Debt Index Unitized Account (Invests in a portfolio of assets whose performance seeks to match the performance of the Barclays U.S. Aggregate Bond Index.) Net cost per $1,000: $0.20/$1,000 NYSDCB Equity Index Unitized Account (CIT) (A passive large-cap equity option that invests in a portfolio of assets whose performance see...

maestro1868

Thank you both. I took a look at the rollover chart in IRS 590a and it appears to confirm that this action would not be counted as income (so that's good to confirm). And very good to know that there would be no RMDs. Thanks so much for this discussion. You are very welcomed of course RMDs could change as well as tax rates. The 2017 tax rate will expire in 2025, so lots of things could change by the time you retire. One more thing, with pretax 457 you could elect to convert some of the pretax in service to Roth 457. If you should elect to do so you will be paying tax on the converted amount. Here is the literature on this: https://www.nysdcp.com/tcm/nysdcp/static/Roth_457_InPlan_Conversions.pdf?r=1 Beware if you are a NJ resident your Roth...

maestro1868

Well, it looks like we received some pretty good news. Our district will now offer a 457b (pre tax) and a 457b Roth (after tax) option with a max contribution of 19k for each option. No income limitations on either option. At the moment, my wife and I currently max out our 403bs to lower our taxable income. Should we consider contributing the max amount for the 457b Roth? Am I concerned about what our tax liability will look like upon retirement. As always, thanks for your input. Congratulations! When I suggested opening our 457 to all staff the superintendent laughed and said "you're the only one here who has any money!" I noticed some suggestions in another post relative to a Schwab option (as opposed to the CIT funds) offered ...

maestro1868

Should I consider funding my 403b less and funding my 457b Roth more? Or should I try to max both? If you can max both, that appears best. Now that the powers that be have seen the benefit of a Roth 457, might they likewise add a Roth option to the 403b? If nothing has changed, the following still applies: Question is "do you understand why 'Roth > Traditional > Taxable' is likely correct for the situation you describe?" The ">" means "is preferable to". Ahh...yes. :happy Thank you Five K for the reply. Yes, I will do my best to try to convince the powers that be for a Roth option on the 403b :D In the meantime, should we consider splitting up our combined annual retirement contributions into two halves? 50% p...

maestro1868

Required Minimum Distributions. You should read up on them and be aware of them, in your situation, because they could very well become an issue for you someday. Basically, starting at age 72 any tax-deferred accounts (tIRA, 401k, 403b, etc) have annual withdrawal requirements, because the government doesn't let you defer your income taxes forever. These withdrawals are all taxable ordinary income. If you have 200K+ of pension and SS income at that time, those RMDs will all come out in a high tax bracket, possibly even higher than the amount you're avoiding today. It's possible to be "too good" at tax deferral. Edit: Roth savings complement a pension really well. [/quote] Okay, so I did some homework on RMDs. My first reaction was...

maestro1868

UpsetRaptor wrote: ↑Mon Sep 21, 2020 3:56 pm If you'll have two pensions, plus SS, and have been maxing out two pre-tax 403(b) plans, you may be setting yourself up for some rough RMDs. I'd consider trying to do as much Roth as you can, wherever you can find some Roth space: Backdoor Roth IRA, find out if any of your 403b/457 has a Roth option you could switch some of your moving-forward savings to, etc.

Our district recently informed me that we now have a 457b Roth option. Max 19k and no income limitations.

Sorry, but what exactly is an RMD?

maestro1868

[/quote]
Will you be eligible for pensions in addition to Social Security? About how much do you currently have in traditional tax-deferred accounts?
[/quote]

Hello Ruralavalon,

If you scroll to the top of this thread...I gradually spill my financial guts

Looking forward to your perspective

maestro1868

Well, it looks like we received some pretty good news.

Our district will now offer a 457b (pre tax) and a 457b Roth (after tax) option with a max contribution of 19k for each option. No income limitations on either option.

At the moment, my wife and I currently max out our 403bs to lower our taxable income.

Should we consider contributing the max amount for the 457b Roth? Am I concerned about what our tax liability will look like upon retirement.

As always, thanks for your input.

maestro1868

Here are some things to consider with a 529 account: 1. How do financial aid calculations factor in your 529 fund balance and your contributions? Yes, there is a mechanism by which the financial aid department will penalize or reduce your expected family contribution. "The 529 plans owned by college students or their parents count as assets and reduce need-based aid by a maximum of 5.64 percent of the asset's value". 2. Will something like a Roth account be better suited for college savings? Most higher education institutions, don't take into account your retirement fund balance...only the contributions you make to retirement accounts. 3. Can you finance your retirement? Can you finance college? My take on college savings is the f...

maestro1868

Question: Is there a local advisory firm coordinating with the 457 plan or does your district have you going directly to a “generic” NYSDCP account person? You can also access fund info and more here: https://www.nysdcp.com/iApp/tcm/nysdcp/about/index.jsp I believe the NYSDCB U.S. Debt Index Unitized Account (CIT) would be your bond index and NYSDCB Equity Index Unitized Account (CIT) your S&P 500 Index. It originally sounded like you were talking about investing an additional 6,000 per spouse. I still like previous option #2 if that’s the case. The 403b and 457 would allow for 19,500 for each spouse = 78,000 in total. Your options are now wide open. Well, after reaching out to my school district they informed me that the 457b option i...

maestro1868

FiveK wrote: ↑Mon Sep 07, 2020 3:37 pm
rvfigs wrote: ↑Mon Sep 07, 2020 3:18 pmAre there some funds to consider in the Vanguard lineup?

Vanguard Total Stock Market Index Fund
Vanguard Total International Stock Index Fund
Those two are worth considering.

Thank you FiveK

maestro1868

I'm sorry FiveK, I not clear on the question...
[/quote]
Question is "do you understand why 'Roth > Traditional > Taxable' is likely correct for the situation you describe?" The ">" means "is preferable to".
[/quote]

Ahh...yes.

I'm trying to teach myself to look at the years in my retirement with a different lens. I need to think about how the financial mechanisms of our government will impact my retirement nest egg in the years of retirement.

Thanks again FiveK

maestro1868

FiveK wrote: ↑Tue Sep 08, 2020 6:06 pm
rvfigs wrote: ↑Tue Sep 08, 2020 5:49 pm Upon retirement, it appears that I may be in the 24% tax bracket.
Previously you mentioned also being in the 24% bracket now.

For a 24% marginal tax rate now and later, and making the maximum allowable contributions to traditional or Roth now, probably
- Roth is best
- Traditional (along with a taxable "side account" for the pre-tax amount above the contribution limit) is second best
- Taxable (instead of either traditional or Roth) is last.

Is it clear why that is likely the situation?

I'm sorry FiveK, I not clear on the question...

maestro1868

terran wrote: ↑Tue Sep 08, 2020 6:00 pm
rvfigs wrote: ↑Tue Sep 08, 2020 5:50 pm
krow36 wrote: ↑Tue Sep 08, 2020 4:20 pm
rvfigs wrote: ↑Tue Sep 08, 2020 9:58 am I just received news that our district will be offering a 457b option starting September 2020.
Congratulations on the 457 addition! Hopefully there's a Roth option and hopefully it's a low-cost plan like the state sponsored plan.
I will be making a few calls tomorrow. I just got the news today.
One thing to note about the Roth 457(b) is that it negates the early withdrawal benefit that a 457(b) normally has. That might not be a problem if you plan to retire after 59.5, but if you plan to retire early the penalty free early withdrawal is a nice feature.

The plan is to retire at 61 or 62.

maestro1868

Here are the options for my district's new 457b plan:

a. Option 1 is titled "Do it for Me" -

T. Rowe Price Retirement Date Trusts. The are all Target Date Retirement Funds

b. Option 2 is titled (Do it Yourself)

c. Option 3 is title (Specialty Options)

I tried to copy and paste some of the funds listed, but the formatting was a bit wacky.

Here is the pdf link: https://www.nysdcp.com/tcm/nysdcp/stati ... 20.pdf?r=1

maestro1868

Look to see if Roth contributions are permitted.
[/quote]

Yes, I'm getting more details. Just got the news today.

maestro1868

krow36 wrote: ↑Tue Sep 08, 2020 4:20 pm
rvfigs wrote: ↑Tue Sep 08, 2020 9:58 am I just received news that our district will be offering a 457b option starting September 2020.
Congratulations on the 457 addition! Hopefully there's a Roth option and hopefully it's a low-cost plan like the state sponsored plan.

I will be making a few calls tomorrow. I just got the news today.

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