Open Enrollment Annually
The ACA subsidy cliff doubled your premiums. Now what?
Enhanced ACA subsidies expired January 1, 2026. Average premiums jumped 114% for subsidized enrollees. If you're self-employed, this app models your income to keep you below the subsidy cliff — and manages your HSA to maximize deductions.
22M Americans affected by the subsidy cliff expiration
- 1ACA premiums doubled overnight — the subsidy cliff returned at 400% FPL (~$62,600/year single), meaning $1 over the threshold costs you thousands
- 2All 2026 ACA Bronze plans are HSA-eligible — a $4,400 HSA contribution directly reduces income for subsidy calculation purposes
- 3No app combines real-time subsidy modeling, HSA tracking, and quarterly tax integration for self-employed workers
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Frequently Asked Questions
- What is the ACA subsidy cliff in 2026?
- The enhanced ACA premium tax credits expired January 1, 2026. The subsidy cliff returned at 400% of the Federal Poverty Level (~$62,600/year for a single person). Earning $1 over this threshold means zero federal subsidy, which can cost thousands in lost premium support.
- How much did ACA premiums increase in 2026?
- Average ACA premiums increased approximately 114% for previously subsidized enrollees, from roughly $888/month to $1,904/month. An estimated 4.8 million Americans are projected to drop coverage as a result.
- Can HSA contributions help me qualify for ACA subsidies?
- Yes. All 2026 ACA Bronze plans are HSA-eligible. A $4,400 HSA contribution (individual limit) directly reduces your Modified Adjusted Gross Income, which is what the ACA uses to calculate subsidy eligibility. This can keep you below the 400% FPL cliff.
- What is the SEP-IRA strategy for the subsidy cliff?
- Self-employed workers can contribute up to 25% of net self-employment income to a SEP-IRA, reducing their MAGI. Combined with HSA contributions, this can keep your income below the subsidy cliff threshold — saving thousands in health insurance premiums.
Ready to stop worrying about compliance?