I am retired and just shy of 60 years old. I have a traditional IRA and a Roth IRA. I did a conversion into my Roth from my traditional IRA in April of this year of 80k and paid the taxes when I did the conversion of 11% federal and 4% California tax. I understand that I am responsible for any taxes that may be due when I file next year. My question is, if and when I withdraw from the Roth will that amount be considered Income as far as the ACA ( Covered California in my case ). I have contacted Covered California and they don't think it will be added to my MAGI but of course they tell you to contact a tax professional to be sure. Also, when the conversion was done I was over 59 1/2. So, will this be considered a qualified withdrawal/distribution if I withdraw from the Roth or will I have to pay the Tax credits I receive for health care back? Thanks for your help.