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@ealgeone Obamacare subsidies are the one common exception. People can get their MAGI down to get subsidized health insurance, even if their gross income would be too high.

@ealgeone For income-based welfare, they typically use gross income, although I suppose that might be state-dependent. If they used MAGI, people could funnel much more of their income through retirement accounts and get those benefits. So, yes, they will almost certainly use your actual gross...