Sources and corrections
Primary source types
- HealthCare.gov for official Marketplace enrollment and final plan confirmation.
- HealthCare.gov CSR guidance for cost-sharing reduction basics.
- HHS/ASPE poverty guidelines for federal poverty guideline references.
- IRS materials for premium tax credit and reconciliation concepts.
Corrections policy
If an official rule, source page, estimate assumption, or internal guide path is inaccurate or stale, the affected page should be corrected and the reviewed date should be updated. Corrections should preserve reader safety by explaining limits rather than overstating certainty.
A useful correction request names the page URL, the exact claim that may be wrong, the official source that changed, and the practical effect for the reader. For example, a change may affect an FPL threshold, a premium tax credit explanation, a CSR note, a Florida coverage-gap warning, a HealthCare.gov confirmation step, or the way a calculator result labels current law versus an enhanced-credit comparison. The more specific the request, the faster the affected page can be reviewed without creating a new ambiguity.
When a correction is accepted, the page should update the affected sentence, preserve the estimate boundary, and revise the reviewed date. If the issue affects several related pages, the calculator, methodology, blog hub, and guide library should be checked together so readers do not see conflicting instructions across the site.
Estimate limitations
Calculator and article examples are planning tools. They do not replace HealthCare.gov, filed plan data, tax filing instructions, or professional advice for a specific household.
Many ACA subsidy questions are household-specific. Age, rating area, household size, income type, tobacco status, employer coverage, immigration status, tax filing status, and Medicaid eligibility can alter the official answer. CoverClarity can explain how an estimate is structured, but it cannot verify every personal fact or enroll a reader in coverage. Readers should use the calculator to understand the shape of the question, then confirm plan availability, premium, eligibility, and tax consequences through official channels.
Reader verification checklist
- Run the calculator with the household size, ages, Florida area, and annual income you want to test.
- Read the methodology so you know which assumptions are estimate-only.
- Confirm final plan prices and eligibility at HealthCare.gov.
- Use IRS Publication 974 for premium tax credit reconciliation questions.
- Check HHS/ASPE poverty guidelines when a page discusses FPL bands.
How we decide whether a source matters
A source matters when it changes the reader's next step. HealthCare.gov matters because it is where final Marketplace plan prices, eligibility, and enrollment actions are confirmed. IRS material matters because the premium tax credit can later be reconciled on a tax return. HHS poverty guidelines matter because many ACA explanations depend on FPL percentage. CMS plan and Marketplace data matter when a page discusses benchmark premiums or filed plan context. State-specific material matters when a Florida coverage-gap explanation or local assistance path is involved.
Not every helpful background article becomes a primary source. Commentary can help explain policy, but it should not override official Marketplace, IRS, HHS, CMS, or state material. If a guide relies on a secondary explanation, the page should still link the reader back to the official source that controls the final action. This is especially important for YMYL pages because a reader may be deciding whether to enroll, update income, compare Silver plans, or prepare for tax-credit reconciliation.
When a source page changes, the correction review should identify whether the change is cosmetic or material. A typo in a source title may not affect the reader. A new poverty guideline table, an IRS instruction change, a Marketplace eligibility update, or a Florida coverage-gap resource change can affect multiple pages. Material changes should trigger a review of the calculator copy, methodology page, blog hub, guide articles, and any internal CTA that tells the reader what to verify next.
Internal pages connected to source review
The calculator shows the estimate, the methodology explains the assumptions, the guide library gives scenario-specific context, and the editorial policy explains the independence and review rules. Those pages should remain linked so a reader can move from a number to the source trail without guessing which page contains the limitation.
Correction request path
For correction request details, use the contact page. The public contact channel will be finalized when the production domain is assigned.