ACA-specific terms
Subsidy cliff
The income threshold above which marketplace subsidies disappear. Historically 400% of FPL. Temporarily eliminated by the American Rescue Plan and IRA through 2025; status for 2026 and beyond depends on legislative action.Last reviewed: · TMRW Benefits is a benefits brokerage, not a tax or legal advisor. Consult a CPA or attorney for situation-specific guidance.
More in ACA-specific terms
Premium tax credit (PTC)
ACA subsidy reducing marketplace premiums for 100-400% FPL.
Metal tier
ACA marketplace plan classification by actuarial value.
Healthcare.gov
Federal ACA marketplace website.
NY State of Health
New York's state-based ACA marketplace.
Marketplace
ACA exchange where individuals shop for plans.
Have a benefits question?
Ask a benefits advisor.
Jesse reads every contact submission personally. If your question is straightforward, you'll get a written reply. If it needs a call, we'll set one up.