Methodology · Health Coverage
Health coverage methodology
Reviewed by Byron Malone · Last reviewed .
Page in progress.
Health-coverage anchor calculators (marketplace plan optimizer + HSA-eligible plan breakeven) are on the post-launch backlog AND coordinate with the Site #2 (Insurance Coverage Hub) reviewer-gated marketplace-health-plan calculator. Per editorial-standards Section 7 YMYL-Insurance protocol, health-coverage content requires a credentialed reviewer (CHC, RHU, or licensed-broker designation) before publication.
When this calculator ships, this methodology page will cover ACA marketplace plan structure for self-employed (premium tax credit eligibility per IRC §36B), the self-employed health insurance deduction (IRC §162(l) — above-the-line deduction for premiums), HSA-eligible HDHP plan selection and contribution limits (IRC §223), and the §401(k) / §125 / health-FSA stack for solo operators with their own employer plan.
Sources we'll cite
- IRC §36B — Premium Tax Credit
- IRC §162(l) — Self-employed health insurance deduction
- IRC §223 — Health Savings Accounts
- IRS Pub 969 — HSAs, Archer MSAs, and Other Tax-Favored Health Plans
- HHS / CMS marketplace plan rules
- State Departments of Insurance — state-based marketplace overlays
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