About & methodology

SubsidyCliffPlan is a free educational tool for people near the 2026 ACA subsidy cliff.

How the calculator works

We divide your expected 2026 MAGI by the federal poverty line for your household size (2025 HHS guidelines, which govern 2026 eligibility) to get your percentage of FPL. Above 400% you’re over the cliff. The subsidy-at-stake estimate compares an estimated 2026 benchmark silver premium against the 8.5%-of-income cap you would have had at 400%.

Sources

• HHS/ASPE Poverty Guidelines (2025, for 2026 coverage)
• HealthCare.gov and state exchanges
• KFF and Congressional Research Service analysis of the 2026 premium landscape
• IRS limits for HSA and retirement contributions

Limitations

All dollar figures are estimates. Exact premiums depend on your county, age, tobacco use, and plan. We are not a licensed broker or tax advisor — confirm any move with a professional before acting.