Health & Benefits calculators
Health insurance and benefit programs are full of income cliffs and waiting periods that are hard to see until they cost you money. For 2026, the enhanced ACA premium tax credits have expired, bringing back the 400% of poverty “subsidy cliff”. Medicare charges higher Part B and Part D premiums — IRMAA — once your income crosses set thresholds, even by a dollar. And Social Security disability back pay depends on a five-month waiting period and a 12-month retroactivity limit.
These calculators apply the official 2026 tables so you can plan income, appeal decisions and budget with real numbers.
Health & Benefits calculators
ACA Subsidy Calculator 2026
Estimate your 2026 premium tax credit and see if the 400% income cliff affects you.
IRMAA Calculator 2026
See your 2026 Medicare Part B and Part D premiums and how close you are to the next bracket.
SSDI Back Pay Calculator
Estimate Social Security disability back pay, the waiting period and attorney fee.
Which benefits calculator do you need?
- Buying Marketplace health insurance? The ACA subsidy calculator estimates your 2026 premium tax credit and warns you if you are near the 400% cliff.
- On Medicare with higher income? The IRMAA calculator shows your Part B and Part D surcharges and how far you are from the next bracket.
- Waiting on a disability decision? The SSDI back pay calculator applies the waiting period, the retroactive limit and the representative fee cap.
Watch for income cliffs
Several programs switch benefits on or off at a single income threshold. For 2026, earning $1 over 400% of the poverty line ends ACA premium tax credits entirely, and crossing an IRMAA bracket by $1 raises Medicare premiums for the whole year. Small, legal changes — a pre-tax retirement contribution, an HSA deposit, or timing a Roth conversion — can keep you under a threshold. When a few hundred dollars of income could cost thousands, it is worth planning carefully and confirming with a professional.
Health & Benefits guides
Approved for SSDI: Back Pay, Medicare and What Happens Next
You won your disability claim. When back pay arrives, how the lawyer’s fee is paid, when Medicare starts, benefits for your family, taxes and reviews.
BenefitsHow to Appeal IRMAA: A Step-by-Step Guide to Form SSA-44
Retired and paying higher Medicare premiums because of income from two years ago? How the IRMAA lookback works, which events qualify and how to file SSA-44.
BenefitsThe 2026 ACA Subsidy Cliff: Who Loses Help and How to Stay Under 400%
The enhanced ACA credits expired, so earning $1 over 400% of the poverty line now ends your premium tax credit. Who is affected, and how to plan.