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ACA premium tax credit MCP server

Marketplace premium tax credits for 2025 and 2026, including the 400% poverty-line cliff that returned in 2026.

Connect free Source on GitHub

Free. No key, no sign-in, no paid tier. 4 tools.

Connector URL

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

Paste it as a custom connector in Claude, or add it to Claude Code, Cursor or VS Code. Setup for each is below.

What it knows that a model does not

A model answers from training data. This server reads the source when you ask.

  • The enhanced credits ended after 2025. For 2026 coverage, income above 400% of the poverty line gets no credit at all.
  • The 2026 applicable percentage table from Rev. Proc. 2025-25, from 2.10% to 9.96% of income.
  • The poverty lines for 2024 to 2026 for the 48 states, Alaska and Hawaii, and the repayment caps, which no longer apply from 2026.

Sources IRS Rev. Proc. 2025-25, IRS premium tax credit Q&A, Form 8962 instructions, HHS poverty guidelines in the Federal Register, P.L. 119-21 sec. 71305.

Tools (4)

Read from the live server with tools/list on 2026-11-02.

ToolWhat it does
get_federal_poverty_level Federal poverty line for ACA premium tax credits. Returns the federal poverty line (FPL) used for the ACA premium tax credit for a coverage year, household size and state, plus the 100%, 133%, 138%, 150%, 200%, 250%, 300% and 400% income thresholds.
calculate_premium_tax_credit ACA premium tax credit (Obamacare subsidy) for 2025 or 2026. Calculates the ACA Marketplace premium tax credit (IRC sec. 36B) the way Form 8962 does. For 2026 coverage the enhanced ARPA/IRA credits have expired (no extension enacted as of 2026-11-02): the IRS Rev.
check_subsidy_cliff 2026 ACA subsidy cliff at 400% FPL. Shows the dollar effect of the 400% federal poverty line subsidy cliff that returned for 2026 coverage after the enhanced premium tax credits expired: the cliff income for the household, the credit at exactly 400% FPL, the credit at $1 more (zero), and the loss.
get_aptc_repayment_cap Excess advance premium tax credit repayment cap. Returns the cap on repaying excess advance premium tax credit (APTC) at tax time.

Connect it

One URL, no token. Pick your app.

Claude.ai and Claude Desktop

Open Settings, then Connectors, then Add custom connector. Paste the URL. Leave the OAuth fields empty. Save.

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

Claude Code

Run this in your terminal. Then run claude mcp list to check it.

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

Cursor

Merge this into ~/.cursor/mcp.json (all projects) or .cursor/mcp.json (one project).

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

VS Code

Put this in .vscode/mcp.json. The top key is servers, not mcpServers.

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

Things to ask

Paste one into a new chat after you connect.

Sourcegithub.com/theluckystrike/aca-premium-tax-credit-calculator-mcp Web calculatorTaxBreakCalc

Questions

Is the ACA premium tax credit MCP server free?
Yes. The hosted URL is free and needs no token, key or account. The source is open on GitHub.
Why not just ask the model?
A model answers from its training data. That data stops at a cutoff date, and long sums can drift. This server reads its data or rules each time you ask, so the answer is current and exact.
Where does the data come from?
IRS Rev. Proc. 2025-25, IRS premium tax credit Q&A, Form 8962 instructions, HHS poverty guidelines in the Federal Register, P.L. 119-21 sec. 71305.
Which apps can use it?
Any MCP client that accepts a remote server URL: Claude.ai and Claude Desktop custom connectors, Claude Code, Cursor, VS Code and others. You can also run it locally with npx.

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