ACA Premium Tax Credit Calculator
2026 ACA premium tax credit: expired enhanced subsidy, 400% FPL cliff, FPL, APTC repayment rules.
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品質與安全性
發現項目（1）
- LOWTool 'get_aptc_repayment_cap' description lacks action verb在 get_aptc_repayment_cap 中
根據工具定義與協定合規性的自動化分析。
上下文成本
這是每次將伺服器的工具載入模型上下文時所消耗的約略 token 數量。數量越高，可用於其他工作的注意力就越少。
安裝
一鍵安裝
將以下內容加入你的 `claude_desktop_config.json` 檔案：
{
"mcpServers": {
"aca-premium-tax-credit-calculator-mcp": {
"url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp"
}
}
}遠端端點
https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcpstreamable-http它能做什麼
工具清單
工具（4）
🟢get_federal_poverty_level(year, household_size, state, household_income)
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. Coverage year Y uses the HHS guidelines published in year Y-1: 2026 coverage uses the 2025 guidelines ($15,650 for one person in the 48 states and DC, $19,550 Alaska, $17,990 Hawaii); 2025 coverage uses 2024; 2027 coverage uses 2026. Copied from the Federal Register notices, not model memory.
輸入結構描述
{
"type": "object",
"properties": {
"year": {
"type": "integer",
"description": "Coverage (tax) year: 2025, 2026 or 2027. Default 2026."
},
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 30,
"description": "Tax family size: you, your spouse if filing jointly, and every dependent you claim."
},
"state": {
"type": "string",
"minLength": 2,
"maxLength": 40,
"description": "State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one)."
},
"household_income": {
"type": "number",
"minimum": 0,
"maximum": 100000000,
"description": "Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file."
}
},
"required": [
"household_size",
"state"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢calculate_premium_tax_credit(household_income, household_size, state, benchmark_premium, year, ...)
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. Proc. 2025-25 table applies (2.10% of income below 133% FPL rising to 9.96% at 300-400% FPL) and there is NO credit above 400% FPL. For 2025 the enhanced table applies (0% up to 150% FPL, 8.5% cap, no income limit). Returns FPL percentage, applicable figure, expected contribution, annual and monthly credit, and net premium. Models trained before 2026 often still apply the 8.5% cap to 2026.
輸入結構描述
{
"type": "object",
"properties": {
"household_income": {
"type": "number",
"minimum": 0,
"maximum": 100000000,
"description": "Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file."
},
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 30,
"description": "Tax family size: you, your spouse if filing jointly, and every dependent you claim."
},
"state": {
"type": "string",
"minLength": 2,
"maxLength": 40,
"description": "State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one)."
},
"benchmark_premium": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Premium of the second lowest cost silver plan (SLCSP, the benchmark) for the household, from HealthCare.gov or Form 1095-A column B."
},
"year": {
"type": "integer",
"description": "Coverage (tax) year: 2025 or 2026. Default 2026."
},
"enrolled_premium": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Premium of the plan you actually enroll in. The credit cannot exceed it. Optional."
},
"premium_period": {
"type": "string",
"enum": [
"annual",
"monthly"
],
"description": "Whether premiums are annual (default) or monthly amounts."
}
},
"required": [
"household_income",
"household_size",
"state",
"benchmark_premium"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢check_subsidy_cliff(household_size, state, benchmark_premium, household_income, premium_period)
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 $1 more (zero), and the loss. With household_income it also gives the credit under 2026 rules, what the expired 2021-2025 enhanced rules would have given, and how much modified AGI must drop (for example through HSA or retirement contributions) to get back under the cliff.
輸入結構描述
{
"type": "object",
"properties": {
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 30,
"description": "Tax family size: you, your spouse if filing jointly, and every dependent you claim."
},
"state": {
"type": "string",
"minLength": 2,
"maxLength": 40,
"description": "State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one)."
},
"benchmark_premium": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Premium of the second lowest cost silver plan (SLCSP, the benchmark) for the household, from HealthCare.gov or Form 1095-A column B."
},
"household_income": {
"type": "number",
"minimum": 0,
"maximum": 100000000,
"description": "Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file."
},
"premium_period": {
"type": "string",
"enum": [
"annual",
"monthly"
],
"description": "Whether premiums are annual (default) or monthly amounts."
}
},
"required": [
"household_size",
"state",
"benchmark_premium"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}🟢get_aptc_repayment_cap(tax_year, household_income, household_size, state, filing_status, ...)
Returns the cap on repaying excess advance premium tax credit (APTC) at tax time. For tax year 2025: Form 8962 Table 5 ($375/$750 below 200% FPL, $975/$1,950 at 200-300%, $1,625/$3,250 at 300-400%, single/other filing status; no cap at 400% or more). For tax year 2026 and later there is NO cap: the One Big Beautiful Bill Act (P.L. 119-21 sec. 71305) repealed it, so the full excess is repaid. Many models trained before 2026 still quote the old caps.
輸入結構描述
{
"type": "object",
"properties": {
"tax_year": {
"type": "integer",
"description": "Tax year: 2025 or later. Default 2026."
},
"household_income": {
"type": "number",
"minimum": 0,
"maximum": 100000000,
"description": "Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file."
},
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 30,
"description": "Tax family size: you, your spouse if filing jointly, and every dependent you claim."
},
"state": {
"type": "string",
"minLength": 2,
"maxLength": 40,
"description": "State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one)."
},
"filing_status": {
"type": "string",
"enum": [
"single",
"head_of_household",
"married_filing_jointly",
"married_filing_separately",
"qualifying_surviving_spouse"
],
"description": "Filing status. Table 5 has a single column and an any-other-status column."
},
"excess_aptc": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Advance payments minus the credit you are allowed (Form 8962 line 27). Optional."
}
},
"required": [
"household_income",
"household_size",
"state",
"filing_status"
],
"additionalProperties": false,
"$schema": "http://json-schema.org/draft-07/schema#"
}社群
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