Health & Medicare Calculators (2026)

ACA premium subsidies and Medicare IRMAA surcharges — both cliff systems where one dollar matters.

ACA Subsidy Calculator The 400% FPL cliff is back for 2026. See which side of it you are on. ACA MAGI Reduction Calculator Exactly how much to contribute pre-tax to get back under the cliff. IRMAA Calculator Your 2026 Part B and Part D premiums, set by your 2024 income.

About these health & medicare calculators

Both of the systems covered here are cliffs rather than slopes, which makes them unusually punishing. The enhanced ACA premium tax credits expired on 31 December 2025, so from 2026 the 400% federal poverty level cliff is back: one dollar of extra income can cost a family their entire subsidy. Medicare IRMAA works the same way on a two-year lookback, so income earned in 2024 sets your 2026 Part B and Part D premiums, and crossing a tier boundary by a dollar triggers the full surcharge. The third calculator works backwards, solving for the pre-tax contribution that puts you back under the line. Every threshold carries the date it was last verified, because the poverty guidelines refresh each January and the Medicare tiers each November.