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If you are using ARP (American Rescue Plan) numbers, then the 400% of FPL is irrelavent and premiums are capped at 8.5% of your income. Which is why I want to see the math.

Between 300% and 400% FPL the percentage of income for insurance ranges from 6% to 8.5%.

FPL = 26200 (family of 4)

300% x 26200 = 78600
400% x 26200 = 104800

Let's look at the difference between MAGI = 104700 and MAGI = 104800

The percentage of income for insurance is a weighted average of 6% and 8.5%

MAGI = 104700, (26100 / 26200) x 8.5% + (100 / 26200) x 6% = 8.490%

8.49% x 104700 = 8889

MAGI = 104800

8.5% x 104800 = 8908

(8908 - 8889) / 100 = .19

The marginal rate is 19%. Make $100 extra dollars and insurance costs $19 more.

I had one of my numbers incorrect to arrive at 26% marginal rate.
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