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Can Claude calculate my 2026 ACA premium tax credit?

Not safely from memory. The enhanced credits that ran from 2021 to 2025 expired, so for 2026 the 400% of poverty limit is back and the share of income you're expected to pay went up. A model trained before that change can apply the old rules and overstate the credit. Connect the free ACA Premium Tax Credit server and Claude uses the 2025 or 2026 poverty lines and applicable percentages, checks the subsidy cliff and works out the repayment cap.

Connect free, no token ACA premium tax credit MCP server

What Claude does alone, and what needs the server

Claude on its own

  • Explains the benchmark silver plan and how the credit is set.
  • Does the sum once you give it the expected contribution.

With the ACA Premium Tax Credit server

  • The poverty line for your household size and state, including Alaska and Hawaii.
  • The 2026 applicable figure for your income, and the 400% cliff.
  • How much excess advance credit you may repay on Form 8962.

A real call to the live server

We sent this to the hosted server on 2026-11-03. The answer below is the server's own text, not a mock-up. Live values will differ when you ask.

You ask

We are a household of 2 in Texas with $68,000 income. The benchmark silver plan is $1,150 a month. What is our 2026 premium tax credit?

Tool call

calculate_premium_tax_credit {"household_income":68000,"household_size":2,"state":"TX","benchmark_premium":1150,"year":2026,"premium_period":"monthly"}

Server answer

2026 premium tax credit: income $68,000.00 is 321.51% of the $21,150.00 poverty line, applicable figure 9.96%, so the household is expected to pay $6,772.80 a year ($564.40 a month) toward the $13,800.00 benchmark plan. Credit: $7,027.20 a year ($585.60 a month). 2026 rules: enhanced credits expired, 400% FPL limit applies.

Connect it in 1 minute

One URL, no token, no account. In Claude.ai or Claude Desktop open Settings, then Connectors, then Add custom connector, and paste the URL.

Connector URL

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

Claude Code

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

Cursor (~/.cursor/mcp.json)

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

VS Code (.vscode/mcp.json)

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

All 4 tools, sources and more prompts: ACA premium tax credit MCP server · TaxBreakCalc

Questions

Can Claude calculate my 2026 ACA premium tax credit?
Not safely from memory. The enhanced credits that ran from 2021 to 2025 expired, so for 2026 the 400% of poverty limit is back and the share of income you're expected to pay went up. A model trained before that change can apply the old rules and overstate the credit. Connect the free ACA Premium Tax Credit server and Claude uses the 2025 or 2026 poverty lines and applicable percentages, checks the subsidy cliff and works out the repayment cap.
Where do I find my benchmark premium?
HealthCare.gov or your state Marketplace shows the second lowest cost silver plan for your ZIP code and ages. After the year ends it is on Form 1095-A, column B.
Is the estimate official?
No. The Marketplace and Form 8962 decide the official amounts. The server gives the same math with the published figures.
Is the server free?
Yes. The ACA Premium Tax Credit server is free at its hosted URL with no token, key or account. The source is open on GitHub.

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