09/01/2026
The ACA cliff is back.
Say you’re a car mechanic. Your paycheck is fine. You sell the apartment. That gain counts as income. Cross 400% of the federal poverty level, and the tax credit you were getting on your health plan can vanish. At tax time, you might owe the whole year back. I’ve seen that land around $24,000.
It’s a hard cutoff, not a slow fade. One extra dollar can do it.
If you’re selling a home, changing jobs, or getting a big bump in income, tell Healthcare.gov and talk to me first. Five minutes now beats a surprise bill in April.
Jeff Messett Insurance
Hollywood, Broward, and Miami-Dade
305-423-9288