SubsidyGuard Blog

Guides and insights on ACA subsidies, health insurance planning, and financial strategies for early retirees.

• Roth Conversion ACA Subsidy: Your 2026 Conversion Ceiling May 13, 2026 A Roth conversion adds to your ACA MAGI dollar-for-dollar. In 2026, one dollar over 400% FPL costs $10,000+ in clawed-back subsidies. Find your safe ceiling.
• ACA Premium Calculator 2026: Estimate Your Costs After the Cliff May 6, 2026 Use our free ACA premium calculator for 2026 to estimate health insurance costs. The subsidy cliff is back — see exactly how income affects your premiums.
• ACA Income Limit 2026: Thresholds by Household Size April 28, 2026 2026 ACA income limits range from $62,600 (single) to $128,600 (family of 4). Exact FPL thresholds, what counts toward MAGI, and how early retirees stay under.
• MAGI Calculator for ACA Subsidies (2026) April 26, 2026 Free MAGI calculator built for ACA subsidy planning. Enter your income sources, see your Modified Adjusted Gross Income, and check the 400% FPL cliff.
• ACA Subsidy Cliff: The Complete Guide for Early Retirees April 25, 2026 The ACA subsidy cliff costs early retirees $10,000+/year if income exceeds 400% FPL by even $1. Learn thresholds, MAGI rules, and 5 strategies to stay under.