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ACA Subsidy Cliff Calculator -- How Much Room You Have Before 400% FPL

Enter your household size, income, and benchmark plan premium to see your estimated ACA marketplace subsidy and exactly how much more income you could have before the 400% poverty-line cliff eliminates it entirely.

Quick answer: See how much income you have before the 400% federal poverty level cliff wipes out your ACA marketplace premium subsidy entirely, and what your estimated monthly premium tax credit is right now. Enter household size, household MAGI, and benchmark plan premium to personalize the estimate. It returns percent of poverty line, estimated premium tax credit, and net monthly premium so you can compare the impact before choosing a next step. Use it to compare long-term value, tax impact, risk, time horizon, and contribution choices.

SWReviewed by SwitchWize Research Desk · Last reviewed September 1, 2026
Your Income as a Percent of the Poverty Line
330.97%The cliff hits at 400%
Your Income as a Percent of the Poverty Line
330.97%The cliff hits at 400%
Required Contribution as a Share of Income
9.96%Per IRS Revenue Procedure 2025-25, the 2026 applicable percentage table
Your Expected Annual Contribution
$6,972What the formula expects you to pay toward the benchmark plan before a subsidy covers the rest
Estimated Annual Premium Tax Credit
$7,428
Your Estimated Net Monthly Premium
$581Benchmark premium minus the estimated credit
Income Room Before the Cliff
$14,600How much more MAGI you could have this year before losing the subsidy entirely. Negative means you are already over.
Diagnostic

You are at 330.97% of the poverty line -- an estimated $619 tax credit brings your premium to about $581/mo.

You have about $14,600 of MAGI room before the 400.00% cliff would eliminate this subsidy entirely.

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I am at 330.97% of the poverty line -- my estimated ACA subsidy is $619/mo.

What to do next

Plan your income in Money Map

Your action plan
  1. 1

    Review the risk level and primary pressure point

    See how much income you have before the 400% federal poverty level cliff wipes out your ACA marketplace premium subsidy entirely, and what your estimated monthly premium tax credit is right now.

  2. 2

    Pressure-test one alternate scenario before deciding

    Assumptions change the answer, especially when rates, taxes, or timing matter.

  3. 3

    Save the result to Money Map or use the linked next action

    Turn the result into a prioritized action instead of treating it as a one-off number.

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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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Frequently Asked Questions

Everything you need to know.

Is the 400% FPL cliff really back for 2026?
Yes. The enhanced premium tax credits in place from 2021 through 2025 expired, and the pre-2021 rules returned: households with income above 400% of the federal poverty level receive no premium tax credit at all, a hard cliff rather than a gradual phase-out.
What income counts toward the poverty-line percentage?
Modified Adjusted Gross Income (MAGI) for your entire household as reported on your tax return, not just your own income. This calculator uses the poverty guideline that governs 2026 marketplace coverage.
Does this calculator account for Medicaid, employer coverage, or cost-sharing reductions?
No. It assumes you are otherwise eligible for a marketplace premium tax credit and only estimates the credit amount and cliff. It does not check Medicaid eligibility, affordable employer-coverage rules, or the separate cost-sharing-reduction subsidy available below 250% of the poverty line -- confirm full eligibility on Healthcare.gov or your state exchange.
Is the ACA Subsidy Cliff Calculator -- How Much Room You Have Before 400% FPL 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 -- How Much Room You Have Before 400% FPL 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.
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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 enhanced premium tax credits that removed the 400% federal poverty level cliff expired at the end of 2025. For 2026 marketplace coverage, income above 400% of the poverty line gets no premium tax credit at all -- a single extra dollar of income, a bonus, a Roth conversion, or a capital gain can eliminate a subsidy worth thousands of dollars a year. This calculator turns the published IRS applicable-percentage table into a personal number: your estimated credit today, and how much income room remains before the cliff.

How to Use It

  1. 1Enter your household size and projected household MAGI for the coverage year
  2. 2Enter your benchmark plan (second-lowest-cost Silver) monthly premium from Healthcare.gov or your state exchange
  3. 3See your estimated monthly premium tax credit and net premium
  4. 4Check your income room before the 400% cliff before making a Roth conversion, bonus, or other income decision
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