About

Mission

The ACA Cliff Calculator is an editorial calculator focused on a single decision: how to position your 2026 Modified Adjusted Gross Income (MAGI) relative to the 400% federal-poverty-level Premium Tax Credit cliff. The calculator is free, runs in your browser, and cites primary sources (IRS Rev. Proc. 2025-25, 26 U.S.C. § 36B, IRS Pub 974, HHS ASPE 2025 Poverty Guidelines, KFF aggregations) on every numeric claim.

Funding and conflict of interest

The site is funded by display advertising via Google AdSense. We do not sell health insurance, accept commissions from carriers or brokers, or receive referral fees from healthcare.gov or any state marketplace. Editorial decisions about which scenarios to cover and which sources to cite are independent of advertising revenue. We do not pay for backlinks and we do not accept guest posts.

Editorial standards

Every numeric claim ties to a primary source — statute, IRS publication, or agency publication. State-specific facts use state-government primary sources where available (state marketplace pages, official state Medicaid pages). Quoted material is character-exact to the cited source. See our editorial team page for the corrections policy and update cadence.

What we don't do

We don't sell user data. We don't collect personally identifying information on calculator inputs — the math runs in your browser and your numbers are not transmitted to our servers. See privacy for details.

Contact

Email hello@acacliff.com. We read every message and reply to most within a week. For factual corrections, please cite the page URL and the primary source you'd like us to compare against.