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Dear Tax Talk, I was laid off in January of 2015. I went on unemployment while looking for a new job. I was 64 years old at the time. My girlfriend became unemployed due to stage 4 ovarian cancer during this time. She lost her health care from her job, but was able to get Affordable Care Act (ACA) insurance with discounts based on her loss of income to help cover the cost of chemo. When her savings was gone, she borrowed from her 401(k) to pay bills.