Three inputs. Every plan. The one move.
It takes about a minute, and the numbers come from the same public tables HealthCare.gov and the IRS use.
-
Your county, ages and 2027 income
Pick your state and county, who's on the plan, and what you expect to earn. State-run exchange? Type your benchmark premium.
→ 407% of the poverty line -
Every real plan, priced both ways
Each plan in your county with and without the credit, ranked by expected yearly cost: premium plus likely out-of-pocket.
→ ranked by premium + deductible + copays -
The move, then a monthly check-in
The exact pre-tax contribution that restores the credit. Each month you update your income and it warns you before you cross.
→ $1,160 to an IRA by April 15
One plan, everything in it
$9 a month
Seven days free with no card. Cancel any time.
- Free cliff check: your % of the poverty line and your distance from the line
- Every plan in your county, priced with and without the credit
- The 401k, IRA, SEP or HSA move, sized to the dollar
- Monthly income check-ins and an email before you cross
- Plans re-ranked each fall, deadline reminders in December and April
Educational estimate, not tax advice. We don't sell insurance.
Before you start
Is there still a subsidy cliff in 2027?
Yes, under current law. The enhanced credits expired at the end of 2025 and no extension has passed the Senate, so for 2027 a household over 400% of the poverty line gets no premium tax credit. If Congress changes that, CliffFit updates its math.
Where are the plan prices from?
From CMS's public plan files for the states that use HealthCare.gov, reloaded when CMS posts them. If your state runs its own exchange (like California or New York), you type in your benchmark premium and CliffFit does the rest.
Why monthly and not a one-off?
The credit is settled on your actual income for the whole year, and repayment caps are gone. The monthly check-in catches a bonus, a capital gain or a good quarter before it pushes you over.
Is this tax or insurance advice?
No. It's an educational estimate from public data. We don't sell insurance or enroll you; confirm with HealthCare.gov, your state exchange, a licensed agent or a tax professional.
Choosing a plan is one day. The credit is settled on the whole year.
Since 2026 there's no cap on paying back advance credit. So each month CliffFit takes your income so far, projects the full year against your line, and emails you while there's still time to act.
- One short check-in a month, or "same pace" in one tap
- A warning when you're within 5% of the line, with the contribution and its deadline