ACA / Health

ACA Subsidy Calculator for 2027: Estimate Your Premium Tax Credit

How the ACA subsidy formula works, the 2027 applicable percentage table, and a worked example.

ACA Subsidy Income Limits for 2027: The 400% FPL Cliff Is Back

FPL table for 2027, the 400% cliff, and what one dollar over means for your subsidy.

What Income Counts for ACA Subsidies? MAGI Explained

What counts as MAGI for ACA purposes, what does not, and the household income rule.

What Happens If You Underestimate Income for ACA? The Repayment Rules

Form 8962 reconciliation, the OBBBA repayment cap elimination, and how to avoid repayment.

Do OBBBA Deductions Affect Your ACA Subsidy?

No. OBBBA tips/OT deductions are below-the-line and do not reduce MAGI. Your subsidy is unchanged.

Self-Employed ACA Subsidies: How Schedule C Income Affects Your Credit

The circular calculation between SE health insurance deduction, MAGI, and subsidy amount.

ACA Open Enrollment 2027: Dates, Deadlines, and What Changed

Nov 1 start, Dec 15 for Jan 1 coverage, Jan 15 end, and the key 2027 changes.

How ACA Premium Percentages Changed for 2027

Rev. Proc. 2026-26 updated the applicable percentage table. 2027 range: 2.15% to 10.22%.

ACA Repayment Caps Eliminated: What the OBBBA Changed

Starting TY2026, the full excess APTC must be repaid. No income-based caps apply.

ACA Subsidy vs Employer Insurance: The Affordability Test

The 10.22% affordability test for 2027 and when you can get marketplace subsidies instead.