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Are you $1 over the 2027 cliff?

For 2027, the ACA premium subsidy cliff is back: one dollar of MAGI over 400% of the federal poverty level and the entire tax credit disappears — not reduced, zero. If you’re 55–64 and buying your own insurance, this one number decides what next year costs. Find your distance from the line in 60 seconds.

Your numbers

State Alaska and Hawaii have higher poverty lines; everyone else uses the contiguous-US table. Household size Everyone you cover on one marketplace application. Adults (55–70) on the plan

Just me Two of us

Your age

Partner’s age

Expected 2027 MAGI Modified Adjusted Gross Income — your best honest estimate for the coverage year. Roth conversions, capital gains, and freelance income all count. Your full-price monthly benchmark premium (optional) The second-lowest-cost silver plan for your household at full price. Find yours at HealthCare.gov’s “See Plans & Prices.” If you skip this, we show your state’s published average instead.

What to do with this number

Before Dec 15: enroll for Jan 1 coverage. If you’re over the line, this is your window to decide whether income moves — Roth conversions, gain harvesting, invoice timing — can get you under it before year-end.
Before Dec 31: the tax year closes. Whatever your MAGI lands at is final for the credit math.
At tax time: you reconcile on Form 8962. The repayment caps are gone — an optimistic income estimate is a bill, not a discount.
Confirm your exact benchmark at HealthCare.gov’s “See Plans & Prices” — counties differ from state averages, sometimes a lot.

This page is orientation, not tax or financial advice. A tax professional who understands the premium credit is worth their fee here.

How the numbers are computed (full derivation: methodology; state figures: the 51-jurisdiction table):

400% FPL lines: 2026 HHS/ASPE poverty guidelines (published in the Federal Register, Jan 15, 2026). 2027 applicable percentage 2.15%–10.22% of income, flat at 10.22% from 300–400% FPL: IRS Rev. Proc. 2026-26. State loss figures: 2026 KFF benchmark premiums (second-lowest-cost silver, age 40) × healthinsurance.org weighted 2027 rate changes, age-rated on the CMS default federal age curve (NY, VT community-rated). 2027 rates marked proposed as of Sep 25, 2026; refreshed when KFF publishes final benchmarks (~Nov 1). Open enrollment Nov 1, 2026 – Jan 15, 2027 (federal); enroll by Dec 15, 2026 for Jan 1 coverage. Figures verified October 23, 2026.

Want the sequence, not just the number?
See exactly what a personal Cliff Plan looks like — the dated moves between your number and the line.

See a sample Cliff Plan

Or read the full 2027 cliff explainer · the free HumanicShift life assessment

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