One Dollar Over $86,560 Costs a 62-Year-Old Couple $24,874: The 2027 ACA Cliff for Early Retirees
With the enhanced credits expired, 2027 Marketplace coverage has a hard cutoff at 400% of poverty. We worked out the cliff by household size, what each extra dollar of income costs in premium below it (10 to 18 cents), and why an overshoot now means repaying the whole advance credit.