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)), with Alaska and Hawaii on their own, higher lines, and the required-contribution table runs 2.10% to 9.96% with the 400% FPL cliff in force. Credit priced on your state’s average benchmark Silver plan for each adult entered, age-rated (45 CFR 147.102); children are not priced, so a family’s credit is higher. Below 138% FPL, expansion states use Medicaid instead. Estimates only; not tax or healthcare advice.