ACA subsidy cliff calculator
Estimate the annual premium tax credit and measure the amount exposed at the 400% FPL cutoff.
$0
Household income
400% FPL ceiling
Expected contribution
Applicable rate
Credit lost above cliff
Coverage year2026
Current-law calculation. Reviewed August 17, 2026. H.R. 1834 passed the House and remains pending in the Senate; it is not enacted law.
How the estimate is calculated
The calculator divides projected household MAGI by the applicable 2025 poverty guideline. If the result is from 100% through 400% FPL, it interpolates the 2026 applicable percentage from IRS Revenue Procedure 2025-25. The estimated credit is the benchmark Silver premium minus the expected household contribution, limited to the actual enrollment premium.
Use the SLCSP input guide before estimating when the benchmark amount is unfamiliar.
Eligibility is broader than this formula. Affordable employer coverage, tax-filing status, immigration rules, family composition, and other Marketplace rules can change the final result.