The 'cap' is based on your income. If you can get your income under 400% of the Federal Poverty Level (such as contributing to a Traditional IRA), it will trigger the 'cap'.
<a rel="nofollow" target="_blank" href="
https://www.irs.gov/pub/irs-pdf/i8962.pdf#page=16">https://www.irs.gov/pub/irs-pdf/i8962.pdf#page=16...>
