Find the cliff before your income crosses it.
See how one dollar of additional income can change an ACA premium tax credit. The model uses official HHS poverty guidelines and the IRS contribution table.
Estimate the 2026 credit
Current-law calculation. Reviewed August 17, 2026. H.R. 1834 passed the House and remains pending in the Senate; it is not enacted law.
The four numbers that drive this estimate
48 states + D.C.
48 states + D.C.
contribution rate
above 400% FPL
The result should be easy to audit.
ACAIndex keeps the source year, coverage year, and formula visible. Your financial inputs stay in this browser.
Read the calculation method →Enter the Marketplace inputs
Use household size, expected MAGI, the benchmark Silver premium, and your selected plan premium.
Place income against the correct FPL
The calculator applies the region and household-size poverty guideline used for 2026 coverage.
Inspect the dollar cliff
Compare the estimated credit at your income, at the 400% ceiling, and one dollar above it.
Decisions around the cliff
The 2026 ACA subsidy cliff: where the credit ends
See the 400% FPL income ceiling for each household size and why one additional dollar can eliminate the premium tax credit.
Read guide →Calculator inputHow to find the benchmark Silver premium (SLCSP)
Find the second-lowest-cost Silver plan premium used by the ACA credit calculator without confusing it with the premium for the plan you selected.
Read guide →IncomeACA MAGI: the income number the Marketplace uses
Build Marketplace household income from adjusted gross income and the required add-backs without confusing it with ordinary taxable income.
Read guide →