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ACA Subsidy Cliff Calculator | Your 2027 Income Limit

Enter how many people are in your tax household, your expected 2027 income and the price of your benchmark silver plan. See your estimated 2027 marketplace tax credit and how much more income you can have before you lose it. This calculator uses the poverty line for the 48 states and DC. Alaska and Hawaii have higher lines, so use the calculator in our 2027 ACA guide if you live there.

Quick answer: For 2027 marketplace coverage, income over 400% of the federal poverty line gets no tax credit. That line is $63,840 for one person and $86,560 for two in the 48 states and DC. Under the line, you pay 2.15% to 10.22% of your income for the benchmark silver plan, and the credit covers the rest. Enter your numbers to see your credit, what you pay each month, and how much room you have before the line.

SWReviewed by SwitchWize Research Desk · Last reviewed October 8, 2026
% of poverty line
323.48%Limit 400%
% of poverty line
323.48%Limit 400%
Share of income you pay
10.22%Set by the IRS for 2027
Your share per year
$7,154Toward the benchmark plan
Tax credit per year
$7,246
You pay per month
$596Benchmark plan price minus the tax credit
Income room before you lose the credit
$16,560How much more 2027 income you can have and keep the credit. A negative number means you are already over.
Diagnostic

Your income is about 323 percent of the federal poverty line. A tax credit of about $604 a month brings the benchmark plan to about $596 a month.

You can have about $16,560 more income in 2027 before you pass 400 percent of the federal poverty line and lose the whole credit.

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My 2027 income is about 323 percent of the federal poverty line, so my estimated marketplace tax credit is $604 a month.

What to do next

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Your action plan
  1. 1

    Check your room under the 400% line

    Add up your expected 2027 income, including Roth conversions, capital gains and all Social Security, and see how far it sits below the line for your household.

  2. 2

    Size any Roth conversion or stock sale to stay under it

    Leave a cushion of a few thousand dollars. A fund can pay out an unexpected taxable gain in December.

  3. 3

    Get your real benchmark price after November 1

    Look up the second-cheapest silver plan for your ZIP code on HealthCare.gov or your state marketplace, then rerun the numbers before you sign up.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

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Read the 2027 ACA subsidy cliff guideWhat counts as income, how to size a Roth conversion, and a calculator with Alaska and Hawaii.
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Plan health coverage until MedicareCompare COBRA and marketplace costs for each year before 65.
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Size a Roth conversionSee the tax on a conversion before it pushes your income over the 400% line.
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Frequently Asked Questions

Everything you need to know.

Is there a subsidy cliff for 2027 ACA coverage?
Yes, under the law as of October 8, 2026. The bigger tax credits of 2021 to 2025 expired. The IRS rules for 2027, published in July 2026, give no credit above 400% of the federal poverty line. For one person in the 48 states and DC, that line is $63,840. Going one dollar over it means you pay the full price of your plan.
What income counts toward the 400% line?
Your household MAGI. That is the adjusted gross income on your tax return, plus Social Security that is not taxed and tax-exempt interest. Add it up for everyone in your tax household who has to file. Roth conversions, capital gains and IRA withdrawals all count. This calculator uses the 2026 poverty line, which applies to 2027 coverage.
Does this calculator work for Alaska and Hawaii?
No. It uses the poverty line for the 48 states and DC. Alaska and Hawaii have higher lines, so their 400% limits are higher too. Use the calculator in our 2027 ACA subsidy cliff guide, which has an Alaska and Hawaii option.
Does this calculator check Medicaid, job-based coverage or help with deductibles?
No. It assumes you can get a marketplace tax credit and only estimates the credit and the 400% line. It does not check Medicaid, whether a job offers you affordable coverage, or the separate help with deductibles and copays available below 250% of the poverty line. Confirm your eligibility on HealthCare.gov or your state marketplace.
Is the ACA Subsidy Cliff Calculator free to use?
Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.
Does using the ACA Subsidy Cliff Calculator affect my credit score?
No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.
Are the results personalized financial advice?
No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.
What should I do after seeing the result?
Use the recommendation module on this page to plan your income in money map, or run Money Map to compare this investing & retirement decision with your other opportunities.
How does SwitchWize choose related offers?
Related offers are matched by the calculator surface (none) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.
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Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.
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The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.
Can Money Map use this result?
Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.

Why This Matters

The bigger tax credits of 2021 to 2025 expired, and as of October 8, 2026, no law brings them back. For 2027 coverage, income over 400% of the federal poverty line gets no tax credit at all. One extra dollar from a bonus, a Roth conversion or a stock sale can cost you a credit worth thousands of dollars a year. If you take the credit in advance and your income comes in too high, you pay all of it back at tax time. This calculator shows your estimated 2027 credit and how much more income you can have before you lose it.

How to Use It

  1. 1Enter how many people are in your tax household and your expected 2027 household income, including Roth conversions, capital gains and all Social Security
  2. 2Enter the monthly price of your benchmark silver plan, the second-cheapest silver plan for your ZIP code on HealthCare.gov or your state marketplace
  3. 3Read your estimated tax credit and what you pay each month for the benchmark plan
  4. 4Check your income room before the 400% line before you do a Roth conversion, sell investments or take a bonus
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