ACA Cliff Calculator (2026 OBBBA rules)

How close is your MAGI to the 400% FPL premium-tax-credit cliff?

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100% FPL 400% FPL = cliff 500% FPL

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% of FPL

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Distance to cliff

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Est. annual subsidy

2026 HHS poverty guidelines, OBBBA premium-tax-credit cliff restored. Estimates only; actual subsidy depends on benchmark Silver plan in your zip and exact household composition. Not tax or healthcare advice.