ACA subsidy cliff calculator
Premium tax credit$24,828 a year$2,069 a month ยท Eligible
Income at the cliff$84,600400% of the $21,150 poverty line
Room before the cliff$14,600Extra MAGI you can add and keep the credit
Cost of $1 over the cliff$23,374Credit lost at 400% of the poverty line
At $70,000 of modified AGI you pay 9.96% of income, $6,972 a year, toward the benchmark plan, and the credit covers the other $24,828. You can add $14,600 more income in 2026; one dollar past $84,600 loses $23,374 of credit.