ACA Premium Tax Credit Calculator

io.github.theluckystrike由 GitHub 账号 theluckystrike 发布v1.0.0更新于 Nov 3, 2026

2026年ACA保费税收抵免：增强补贴到期、400% FPL悬崖、FPL、APTC偿还规则。

AI 翻译由 AI 模型根据下方的原文描述翻译，可能有误。

原文描述

2026 ACA premium tax credit: expired enhanced subsidy, 400% FPL cliff, FPL, APTC repayment rules.

发布方自己的服务：Calculator Tools MCP

已验证Streamable HTTP可网页运行

概览

ACA Premium Tax Credit Calculator 的托管 MCP 服务（aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev）；无需登录；Streamable HTTP；4 个工具。

暂无 AI 概览：以下信息来自注册中心条目和服务本身。

端点
aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev
最近检查

安装

在 SourceWeft 中

  1. 打开 控制台中的 ACA Premium Tax Credit Calculator，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/io.github.theluckystrike%2Faca-premium-tax-credit-calculator-mcp/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

{
  "mcpServers": {
    "aca-premium-tax-credit-calculator": {
      "type": "http",
      "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

README

aca-premium-tax-credit-calculator-mcp

ACA premium tax credit calculator MCP server for 2026: the Obamacare subsidy after the enhanced credits expired, the 400% FPL subsidy cliff, federal poverty level tables and APTC repayment rules.

Your model was probably trained when the enhanced premium tax credits (American Rescue Plan Act, extended by the Inflation Reduction Act) were still in force. They covered tax years 2021 through 2025 only. For 2026 coverage the old rules are back with a new IRS table, and repayment caps are gone. This server gives an assistant those rules from primary sources.

Tools

ToolWhat it does
get_federal_poverty_levelFederal poverty line for coverage years 2025, 2026 and 2027 (48 states and DC, Alaska, Hawaii) with the 100%, 133%, 138%, 150%, 200%, 250%, 300% and 400% thresholds.
calculate_premium_tax_creditPremium tax credit the Form 8962 way: FPL percentage, applicable figure, expected contribution, annual and monthly credit, net premium. 2025 (enhanced rules) or 2026 (Rev. Proc. 2025-25).
check_subsidy_cliffDollar effect of crossing 400% FPL for 2026 coverage, the credit the expired rules would have given, and the income cut needed to get back under the cliff.
get_aptc_repayment_capCap on repaying excess advance premium tax credit: Form 8962 Table 5 for 2025, no cap from 2026.

Every result has structured JSON, a plain-English summary, as_of, a source URL and a more link.

What it knows that your model does not

  • The enhanced credits ended after tax year 2025. No public law through P.L. 119-136 (October 22, 2026) amends IRC sec. 36B to extend them. Checked 2026-11-02.
  • For 2026 coverage there is no premium tax credit above 400% of the federal poverty line. One dollar over the line can cost a family thousands.
  • The 2026 applicable percentage table (Rev. Proc. 2025-25) runs from 2.10% of income below 133% FPL to 9.96% at 300% to 400% FPL. The 2025 table ran from 0% to 8.5%.
  • The 2026 required contribution percentage (employer coverage affordability) is 9.96%. It was 9.02% for 2025.
  • 2026 coverage uses the 2025 HHS poverty guidelines: $15,650 for one person in the 48 states and DC, $19,550 in Alaska, $17,990 in Hawaii, plus $5,500, $6,880 or $6,330 for each extra person.
  • From tax year 2026 there is no cap on repaying excess advance credit. The One Big Beautiful Bill Act (P.L. 119-21 sec. 71305) repealed it. For 2025 the caps were $375 to $1,625 (single) and $750 to $3,250 (other filers) below 400% FPL.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http aca-premium-tax-credit https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add aca-premium-tax-credit -- npx -y github:theluckystrike/aca-premium-tax-credit-calculator-mcp

Claude Desktop

Add this to claude_desktop_config.json:

json
{  "mcpServers": {    "aca-premium-tax-credit": {      "command": "npx",      "args": ["-y", "github:theluckystrike/aca-premium-tax-credit-calculator-mcp"]    }  }}

Cursor

Add this to ~/.cursor/mcp.json:

json
{  "mcpServers": {    "aca-premium-tax-credit": {      "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

VS Code

Add this to .vscode/mcp.json:

json
{  "servers": {    "aca-premium-tax-credit": {      "type": "http",      "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

Node 20 or newer is needed for the local npx version.

Example prompts

  • "I am single in Texas, expect $40,000 of income in 2026 and the benchmark silver plan is $600 a month. What is my premium tax credit?"
  • "We are a family of four in Florida earning $130,000. How much does the 2026 subsidy cliff cost us, and how much would we need to put in an HSA to get under it?"
  • "What is 400% of the federal poverty level for a household of 3 in Alaska for 2026 coverage?"
  • "My advance premium tax credit was $5,000 too high in 2026. Is there a repayment cap?"

Data sources

All numbers were copied from primary sources fetched on 2026-11-02. See DATA_SOURCES.md.

Limitations

  • Supports premium tax credit amounts for 2025 and 2026 coverage. The 2027 applicable percentage table was not confirmed from an IRS source on 2026-11-02, so 2027 credit requests return an error. The 2027 poverty line is available.
  • You supply the benchmark (second lowest cost silver plan) premium. It depends on ZIP code, ages and household, and this server does not look it up.
  • Full-year coverage with one benchmark is assumed. Monthly changes, policy allocation between tax families, and self-employed health insurance deduction iterations are not modeled.
  • Eligibility checks are income checks only. Offers of affordable employer coverage, Medicaid eligibility, immigration status rules (including P.L. 119-21 changes) and married-filing-separately exceptions are not decided here.
  • The 400% test uses income compared with exactly 4 times the poverty line. The applicable figure uses the Form 8962 method (whole-number FPL percentage, 4-decimal figure).
  • If Congress changes sec. 36B after 2026-11-02, this server is out of date until updated.

More

Lower your modified AGI with an HSA and see the tax effect: taxbreakcalc.com HSA calculator.

Part of the Zovo MCP collection: https://mcp.zovo.one

Development

npm installnpm run buildnpm test

src/core.ts holds all the rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.

License

MIT

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Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.

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The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one

来源：README.md，提交 d4cc739

工具

4

get_federal_poverty_level

Federal poverty line for ACA premium tax credits

Returns the federal poverty line (FPL) used for the ACA premium tax credit for a coverage year, household size and state, plus the 100%, 133%, 138%, 150%, 200%, 250%, 300% and 400% income thresholds. Coverage year Y uses the HHS guidelines published in year Y-1: 2026 coverage uses the 2025 guidelines ($15,650 for one person in the 48 states and DC, $19,550 Alaska, $17,990 Hawaii); 2025 coverage uses 2024; 2027 coverage uses 2026. Copied from the Federal Register notices, not model memory.

输入参数yearstate必填household_size必填household_income

calculate_premium_tax_credit

ACA premium tax credit (Obamacare subsidy) for 2025 or 2026

Calculates the ACA Marketplace premium tax credit (IRC sec. 36B) the way Form 8962 does. For 2026 coverage the enhanced ARPA/IRA credits have expired (no extension enacted as of 2026-11-02): the IRS Rev. Proc. 2025-25 table applies (2.10% of income below 133% FPL rising to 9.96% at 300-400% FPL) and there is NO credit above 400% FPL. For 2025 the enhanced table applies (0% up to 150% FPL, 8.5% cap, no income limit). Returns FPL percentage, applicable figure, expected contribution, annual and monthly credit, and net premium. Models trained before 2026 often still apply the 8.5% cap to 2026.

输入参数yearstate必填household_size必填premium_periodenrolled_premiumhousehold_income必填benchmark_premium必填

check_subsidy_cliff

2026 ACA subsidy cliff at 400% FPL

Shows the dollar effect of the 400% federal poverty line subsidy cliff that returned for 2026 coverage after the enhanced premium tax credits expired: the cliff income for the household, the credit at exactly 400% FPL, the credit at $1 more (zero), and the loss. With household_income it also gives the credit under 2026 rules, what the expired 2021-2025 enhanced rules would have given, and how much modified AGI must drop (for example through HSA or retirement contributions) to get back under the cliff.

输入参数state必填household_size必填premium_periodhousehold_incomebenchmark_premium必填

get_aptc_repayment_cap

Excess advance premium tax credit repayment cap

Returns the cap on repaying excess advance premium tax credit (APTC) at tax time. For tax year 2025: Form 8962 Table 5 ($375/$750 below 200% FPL, $975/$1,950 at 200-300%, $1,625/$3,250 at 300-400%, single/other filing status; no cap at 400% or more). For tax year 2026 and later there is NO cap: the One Big Beautiful Bill Act (P.L. 119-21 sec. 71305) repealed it, so the full excess is repaid. Many models trained before 2026 still quote the old caps.

输入参数state必填tax_yearexcess_aptcfiling_status必填household_size必填household_income必填

版本历史

1
  1. v1.0.0最新Nov 3, 2026

评分

已满足适用检查项的 100%

该评分衡量此收录条目的完整程度，依据注册中心条目、端点与公开来源计算得出。它不是对服务器本身的评价，也不表示服务器安全或当前可用：可连通性是带日期的检查结果，评分也不包含安装量或用户评价。

  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 图标10 分
  • 文档15 分
  • 许可证10 分

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