Terms of Service

Effective date: 2026-05-13

Acceptance

By using this site you agree to these terms. If you do not agree, do not use the site.

Not legal, tax, or medical advice

The ACA Cliff Calculator is an editorial calculator. Outputs are estimates and the site is for general informational purposes. Nothing on the site is legal advice, tax advice, financial advice, or medical advice. Always consult a licensed professional for advice specific to your situation. See disclaimer.

No warranty

The site is provided "as is" without warranties of any kind, express or implied. We do not warrant that the calculator is error-free, complete, or up to date. We may update calculations and content at any time without notice. Premium Tax Credit law, IRS revenue procedures, FPL guidelines, and state Medicaid expansion status all change — values that are accurate today may not be accurate tomorrow.

Limitation of liability

To the maximum extent allowed by law, we are not liable for any damages arising from your use of the site, including without limitation tax penalties, lost subsidies, or insurance-related losses based on reliance on the calculator's outputs.

Intellectual property

Content on the site is copyright the operator unless otherwise noted. Numeric statutes and government data cited on the site are public-domain U.S. government works; we do not claim copyright in any cited statute, regulation, or government publication.

External links

The site links to third-party sites including IRS, HHS, CMS, KFF, state marketplaces, and Cornell Legal Information Institute. We are not responsible for the content of external sites.

Changes to these terms

We may update these terms at any time. Continued use of the site after an update constitutes acceptance of the new terms.

Governing law

These terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles.

Contact

For ToS questions: hello@acacliff.com.