Your 2026 marketplace premium tax credit and how close you are to the 400% cliff.
We Are Calculator
Professional Financial Tools
8/25/2026
Modified adjusted gross income for everyone on the tax return. Pre-tax 401(k), HSA and deductible traditional IRA contributions all reduce it — which is the main lever if you are near the cliff.
Everyone you claim on your tax return, including people who have other coverage.
The second-lowest-cost Silver plan for your household in your county — the plan the credit is calculated against, whether or not you buy it. Look it up on healthcare.gov; it varies enormously by age and county.
Benchmark $700/mo less a credit of $341/mo. The credit is the same dollar amount whichever metal tier you buy — pick a cheaper Bronze plan and the credit does not shrink, so your net cost falls further. This is an estimate for planning, not an insurance quote. Actual pricing is set by the insurer or, in promulgated-rate states, by the state regulator.
Benchmark cost of $8,400 minus your required contribution of $4,312. Required contribution = income x the applicable percentage from IRS Rev. Proc. 2025-25.
$45,000 against a 2025 federal poverty guideline of $15,650 for a household of 1. Note that 2025 guidelines govern 2026 coverage — the poverty guidelines always lag the plan year by one.
Set by IRS Rev. Proc. 2025-25 and interpolated within your income band. It runs from 2.10% below 133% of FPL up to a flat 9.96% from 300% to 400%.
Earn one dollar more than $62,600 and the credit drops to zero. You currently have $17,600 of headroom.
The ARPA/IRA enhanced premium tax credits, which removed the income cap and capped premiums at 8.5% of income, expired December 31, 2025. These figures reflect the original ACA structure that returned for the 2026 plan year, verified 2026-08-16. Legislation to restore the enhancements has been introduced but has not become law — verify current status before relying on this for a decision.