# 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. - Trust score: 66/100 (medium) - Registry status: active - Liveness: live - Owner verified: no - Last scored: 2026-11-04 ## Components - remote · `aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev`: 66/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp) ## Channel facts - Endpoint: `https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp` - Transports: `streamable-http` - Auth: `none` - Version: `1.0.0` ## Trust breakdown 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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog) Scored 2026-11-04. - **Endpoint Security**: 63/100 - The endpoint's TLS certificate is valid, in date, and uses a strong key. - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. - HSTS check failed: the Strict-Transport-Security header is absent. - DNSSEC check failed: this domain isn't protected by DNSSEC. - **Transport & Reachability**: 100/100 - Verified streamable-http transport via a live MCP handshake. - **Schema Quality & AI Usability**: 64/100 - AI-judged instruction clarity (excellent). - 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. - Usage-examples check failed: none of the tools include examples. - **Stability & Change Management**: 7/100 - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses. - **Tool Coverage**: 100/100 - 100% of tools have a non-trivial description (not blank, and not just the tool's name). - 100% of tool parameters carry a description. - **Tool Safety**: 100/100 - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured. - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation. - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it. - **Capabilities**: 100/100 - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28. ## Install ### 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. ### Claude ```bash claude mcp add --transport http theluckystrike-aca-premium-tax-credit-calculator 'https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp' ``` ### Cursor ```json { "mcpServers": { "theluckystrike-aca-premium-tax-credit-calculator": { "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### VS Code ```json { "servers": { "theluckystrike-aca-premium-tax-credit-calculator": { "type": "http", "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### Codex ```toml [mcp_servers.theluckystrike-aca-premium-tax-credit-calculator] url = "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" ``` ### opencode ```json { "$schema": "https://opencode.ai/config.json", "mcp": { "theluckystrike-aca-premium-tax-credit-calculator": { "type": "remote", "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp", "enabled": true } } } ``` ### OpenClaw ```bash openclaw mcp add theluckystrike-aca-premium-tax-credit-calculator --url 'https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp' --transport streamable-http ``` ### Hermes ```yaml mcp_servers: theluckystrike-aca-premium-tax-credit-calculator: url: "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" ``` ### Netclaw ```json { "McpServers": { "theluckystrike-aca-premium-tax-credit-calculator": { "Transport": "http", "Url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` ### Vellum ```bash assistant mcp add theluckystrike-aca-premium-tax-credit-calculator -t streamable-http -u 'https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp' ``` ### Other ```json { "mcpServers": { "theluckystrike-aca-premium-tax-credit-calculator": { "type": "http", "url": "https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp" } } } ``` The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs. ## Changelog Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims. ### 2026-11-04 (score 66, +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. ### 2026-11-03 (score 65, 0) - [functional improvement] Stability: unverified → 0.03 ### 2026-11-02 (score 65) First indexed and scored. ## MCP tools (4) ### `get_federal_poverty_level` (~268 tokens) 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. 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. Input parameters: - `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, required): Tax family size: you, your spouse if filing jointly, and every dependent you claim. - `state` (string, required): 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. ### `calculate_premium_tax_credit` (~385 tokens) 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. 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. Input parameters: - `benchmark_premium` (number, required): 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, required): Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. - `household_size` (integer, required): 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, required): 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. ### `check_subsidy_cliff` (~273 tokens) 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. 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. Input parameters: - `benchmark_premium` (number, required): 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, required): 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, required): State of residence: two-letter code or name (AK and HI have their own poverty lines; all other states and DC share one). ### `get_aptc_repayment_cap` (~318 tokens) Excess advance premium tax credit repayment cap 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. Input parameters: - `excess_aptc` (number): Advance payments minus the credit you are allowed (Form 8962 line 27). Optional. - `filing_status` (string, required): Filing status. Table 5 has a single column and an any-other-status column. - `household_income` (number, required): Household income in dollars for the coverage year: modified AGI of you, your spouse and dependents who must file. - `household_size` (integer, required): Tax family size: you, your spouse if filing jointly, and every dependent you claim. - `state` (string, required): 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. ## Diagnostics Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp#diagnostics ## Score history - 2026-11-04: 66 - 2026-11-03: 65 - 2026-11-02: 65 ## Common questions ### 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. ## Links - Remote endpoint: https://aca-premium-tax-credit-calculator-mcp.lipmichal.workers.dev/mcp - Repository: https://github.com/theluckystrike/aca-premium-tax-credit-calculator-mcp - Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp.xml - Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp.json - HTML version of this page: https://verifymcp.io/servers/theluckystrike-aca-premium-tax-credit-calculator-mcp/aca-premium-tax-credit-calculator-mcp