Note: Free xpostfactoid subscription is available on Substack alone, though I will continue to cross-post on this site. If you're not subscribed, please visit xpostfactoid on Substack and sign up.
Yesterday I came across a post by an Obamacare enrollee who in 2026 fell off the newly restored “subsidy cliff” -- the income threshold above which premium subsidies are once again unavailable.
As the Open Enrollment Period for 2026 continues through January 15 in the 30 states that use HealthCare.gov, and as late as January 31 in seven of the twenty state-based marketplaces, I thought (belatedly) that perhaps the info below might help some people take steps to remain subsidy-eligible — that is, to plan to take deductions that will get your income below the cap on subsidy eligibility.
