Gives an AI assistant the 2026 Obamacare subsidy rules that are newer than its training data. The enhanced premium tax credits ended after 2025, so for 2026 coverage the 400% federal poverty line cliff is back, the IRS table runs from 2.10% to 9.96% of income (Rev. Proc. 2025-25), and excess advance credit is repaid in full with no cap (P.L. 119-21 sec. 71305). Every number is copied from IRS, Federal Register and congress.gov sources.
Hosted endpoint (Streamable HTTP, no sign-in, no token). Paste it into Claude.ai custom connectors or ChatGPT developer mode.
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
Local (stdio)
npx -y github:theluckystrike/aca-premium-tax-credit-calculator-mcp
get_federal_poverty_level | Federal poverty line for ACA coverage years 2025-2027 (48 states and DC, Alaska, Hawaii) with the 100% to 400% thresholds. |
calculate_premium_tax_credit | Premium tax credit for 2025 (enhanced rules) or 2026 (Rev. Proc. 2025-25 table, 400% FPL limit), the Form 8962 way. |
check_subsidy_cliff | Dollar effect of the 400% FPL cliff for 2026 coverage, and the income cut needed to get back under it. |
get_aptc_repayment_cap | Excess APTC repayment caps for 2025, and no cap from 2026 (P.L. 119-21 sec. 71305). |
Lower your MAGI with an HSA: taxbreakcalc.com HSA calculator. Source: github.com/theluckystrike/aca-premium-tax-credit-calculator-mcp.
General information, not tax advice. Part of the Zovo MCP collection: mcp.zovo.one.