ACA Subsidy Cliff Calculator 2027
Free 2027 ACA subsidy cliff calculator: enter your household size, annual household income (MAGI), and monthly benchmark Silver premium to see your income as a percentage of the poverty line, your 400% cliff amount, your expected contribution, and your estimated premium tax credit. Above the cliff, the credit is $0.
For 2027 coverage, the cliff is $63,840 for one person, $86,560 for two, $109,280 for three, and $132,000 for a family of four in the 48 contiguous states and DC, based on the 2026 HHS poverty guidelines. Read the full guide: The ACA Subsidy Cliff Is Back for 2027.
Frequently asked questions
What is the ACA subsidy cliff for 2027?
The income limit above which the premium tax credit drops to zero: $63,840 for one person, $86,560 for two, $109,280 for three, and $132,000 for a family of four in the 48 contiguous states and DC, for 2027 coverage.
How is the credit estimated?
The calculator takes your monthly benchmark Silver premium, subtracts your expected contribution (a percentage of income from IRS Revenue Procedure 2026-26, up to 10.22% at 300–400% of the poverty line), and shows the result as your estimated monthly and annual credit. Above the cliff the credit is zero.
This page is educational and is not financial, tax, or legal advice. It is an estimate, not an eligibility determination. See our disclaimer.