Renewal & Redetermination Engine

Advance Premium Tax Credit calculator implementing ACA §36B rules. Handles FPL lookup, benchmark plan selection, and expected contribution percentages.

Cost Sharing Reduction eligibility determination with income-based variant assignment (94%, 87%, 73%), AI/AN zero-cost-sharing qualification, and plan variant selection per ACA rules.

Special Enrollment Period verification with qualifying life event validation, documentation requirements, and CMS SEP type code mapping.

ACA eligibility engine implementing MAGI-based income calculation, Medicaid/CHIP threshold checks, and QHP eligibility determination per 45 CFR 155.305.

CMS-mandated consumer notice generation and delivery with template management for eligibility, enrollment, renewal, and termination notices across required languages per ACA regulations.

APTC advance payment reconciliation with Form 8962 data, actual vs estimated income comparison, repayment threshold calculation, and IRS reporting support.