ACA Premium Tax Credit Calculator
REMOTE · ACA-PREMIUM-TAX-CREDIT-CALCULATOR-MCP.LIPMICHAL.WORKERS.DEV
2026 ACA premium tax credit: expired enhanced subsidy, 400% FPL cliff, FPL, APTC repayment rules.
Available components
Last scanned (18 hours ago)
Scores higher than 52% of remote servers
Reachable. Last reached 4 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability64
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 1244 tokens (~311/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management7
- Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 2 Nov 26 65
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 4 Nov 2026 · Probed https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=lipmichal.workers.dev | CN=WE1,O=Google Trust Services,C=US | 2 Oct 2026 | 31 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | ebf145553d5751d20e0d3cd51e3d7a94 |
| SANs: lipmichal.workers.dev, *.lipmichal.workers.dev | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| dev. | present | 60074 | 8 | Verified |
| workers.dev. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_premium_tax_credit ACA premium tax credit (Obamacare subsidy) for 2025 or 2026 ~385
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.
| Name | Type | Req | Description |
|---|---|---|---|
| benchmark_premium | number | yes | Premium of the second lowest cost silver plan (SLCSP, the benchmark) for the household, from HealthCare.gov or Form 1095-A column B. |
| enrolled_premium | number | – | Premium of the plan you actually enroll in. The credit cannot exceed it. Optional. |
| household_income | number | yes | Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. |
| household_size | integer | yes | Tax family size: you, your spouse if filing jointly, and every dependent you claim. |
| premium_period | string | – | Whether premiums are annual (default) or monthly amounts. |
| state | string | yes | State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one). |
| year | integer | – | Coverage (tax) year: 2025 or 2026. Default 2026. |
No output schema declared.
No examples provided.
check_subsidy_cliff 2026 ACA subsidy cliff at 400% FPL ~273
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.
| Name | Type | Req | Description |
|---|---|---|---|
| benchmark_premium | number | yes | 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 | number | – | Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. |
| household_size | integer | yes | Tax family size: you, your spouse if filing jointly, and every dependent you claim. |
| premium_period | string | – | Whether premiums are annual (default) or monthly amounts. |
| state | string | yes | State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one). |
No output schema declared.
No examples provided.
get_aptc_repayment_cap Excess advance premium tax credit repayment cap ~318
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.
| Name | Type | Req | Description |
|---|---|---|---|
| excess_aptc | number | – | Advance payments minus the credit you are allowed (Form 8962 line 27). Optional. |
| filing_status | string | yes | Filing status. Table 5 has a single column and an any-other-status column. |
| household_income | number | yes | Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. |
| household_size | integer | yes | Tax family size: you, your spouse if filing jointly, and every dependent you claim. |
| state | string | yes | State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one). |
| tax_year | integer | – | Tax year: 2025 or later. Default 2026. |
No output schema declared.
No examples provided.
get_federal_poverty_level Federal poverty line for ACA premium tax credits ~268
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.
| Name | Type | Req | Description |
|---|---|---|---|
| household_income | number | – | Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. |
| household_size | integer | yes | Tax family size: you, your spouse if filing jointly, and every dependent you claim. |
| state | string | yes | State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one). |
| year | integer | – | Coverage (tax) year: 2025, 2026 or 2027. Default 2026. |
No output schema declared.
No examples provided.
How do I install the ACA Premium Tax Credit Calculator MCP server?
ACA Premium Tax Credit Calculator is a hosted endpoint at https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev
claude mcp add --transport http theluckystrike-aca-premium-tax-credit-calculator 'https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp'
What is the ACA Premium Tax Credit Calculator MCP server?
ACA Premium Tax Credit Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/aca-premium-tax-credit-calculator…. 2026 ACA premium tax credit: expired enhanced subsidy, 400% FPL cliff, FPL, APTC repayment rules. This page covers its hosted endpoint (https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp).
Is the ACA Premium Tax Credit Calculator MCP server safe to use?
ACA Premium Tax Credit Calculator scores 66 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the ACA Premium Tax Credit Calculator MCP server expose?
ACA Premium Tax Credit Calculator exposes 4 tools: get_federal_poverty_level, calculate_premium_tax_credit, check_subsidy_cliff, get_aptc_repayment_cap. Their descriptions and schemas cost roughly 1,244 tokens of context every time the server is loaded.
Does the ACA Premium Tax Credit Calculator MCP server require authentication?
No. We connected to ACA Premium Tax Credit Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the ACA Premium Tax Credit Calculator MCP server still maintained?
ACA Premium Tax Credit Calculator is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.