“I Earn One Dollar Too Much”: What Crossing the 400% Cliff Costs at Every Household Size
Crossing the ACA subsidy cliff by even one dollar in 2026 eliminates your entire premium tax credit immediately, with no gradual phase-out, and depending on your household size and age, that single dollar of extra income can cost you anywhere from $4,000 to more than $22,000 in lost annual assistance. This post exists because the…