How close is your MAGI to the 400% FPL premium-tax-credit cliff?
2026 coverage year: the 2025 HHS poverty guidelines apply (26 CFR 1.36B-1(h)) and the required-contribution table runs 2.10% to 9.96% with the 400% FPL cliff in force. Estimates only; actual subsidy depends on benchmark Silver plan in your zip and exact household composition. Not tax or healthcare advice.