The Subsidy Cliff: Your 45-Day Plan to Keep Affordable Health Insurance in 2027

The extra ACA help ended. Here's how to estimate your income, compare plans and keep coverage you can afford in 2027.

For 2027, Marketplace help stops at 400% of the poverty line, and $1 over can cost thousands. This workbook helps you find your income zone, estimate next year's income, learn the legal ways people lower counted income, and choose a plan by its total cost.

Inside you'll get:

- Find your income zone

- The cliff, explained with pictures

- How to estimate next year's income

- Legal ways people lower counted income

- How to compare plans by total yearly cost

- A 45-day action plan and scripts for Navigators

Who it's for: People who buy their own health insurance, including early retirees and the self-employed.

What you get: a 44-page PDF workbook with 12 printable worksheets. Instant download. Read it on any device, or print the worksheets.

Facts checked as of October 1, 2026. Educational only. Not insurance, tax or financial advice.

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