ACA Subsidy Cliff & Income Tracker

The enhanced ACA subsidies ended after 2025, which means the 400%-of-poverty "subsidy cliff" is back. If your income is lumpy (gig, freelance, tips, commission), one good month can push you over the line, and you could lose all premium help and owe it back at tax time.

This tracker shows where you're heading before that happens:

• Log payments as they come in. It projects your yearly MAGI and subtracts half of your self-employment tax for you
• Shows your % of the federal poverty level for your household size, plus the Medicaid (138%), 250% and 400% lines in dollars
• Shows how much more you can earn before the cliff, and roughly how much a SEP-IRA, Solo 401(k) or HSA contribution would bring you back under
• Month-by-month income plus running totals
• Instructions tab. All the poverty-level numbers can be edited, so you can update them each year

Perfect for open enrollment (Nov 1) and for updating your Marketplace income during the year.

Not tax, legal or benefits advice. This is an estimating tool, so check the numbers with HealthCare.gov or a pro.