Calculators / ACA MAGI

ACA MAGI Cliff Calculator

A Roth conversion, capital gain, or year-end bonus can cost you the entire marketplace health-insurance subsidy. The 400% FPL cliff is back for 2026. Work out your MAGI, how much room you have, and what crossing costs.

Filing StatusAdjusted gross income (AGI, USD)Household sizeAge 65+ or on Medicare — IRMAA note

Subsidy loss (optional, pick one)

Current annual subsidy (USD)Benchmark silver plan monthly premium (USD) — healthcare.gov

Pairs well with: Roth Conversion · 1031 Exchange · All calculators