About MyHealthReference.us
Democratizing complex U.S. healthcare finance, insurance policy, and out-of-pocket medical regulations through transparent, mathematical tools and verified guides.
Our Mission
Every year, millions of Americans struggle to decipher healthcare bills, evaluate COBRA elections, navigate Medicare IRMAA surcharges, and understand health insurance deductibles. Federal regulations are published across thousands of pages of legislative texts, IRS Revenue Procedures, and CMS bulletins.
MyHealthReference.us was founded as an independent digital research desk to bridge the gap between bureaucratic healthcare statutes and everyday patients. We translate statutory formulas into free, transparent, and instant interactive calculators backed by plain-English consumer guides.
Our Medical & Editorial Review Board
Content at MyHealthReference.us is produced by a dedicated research desk specializing in healthcare finance, insurance policy, and consumer patient rights, and is supervised by our Medical & Editorial Review Board.
Our board members and research analysts evaluate every published guide, cost breakdown, and formula model to ensure:
- Regulatory Fidelity: Ensuring every income bracket, subsidy cutoff, and statutory limit aligns exactly with federal registers.
- Objectivity & Independence: We do not accept sponsorships from insurance providers or pharmaceutical companies that compromise editorial objectivity.
- Plain-English Clarity: Complex concepts like coinsurance, allowable amounts, and hospital chargemasters are explained clearly without misleading jargon.
Our 4-Step Verification Methodology
To ensure strict E-E-A-T (Experience, Expertise, Authoritativeness, and Trustworthiness) standards, our editorial workflow follows four mandatory checkpoints:
We pull directly from government primary sources: Centers for Medicare & Medicaid Services (CMS.gov), Department of Health and Human Services (HHS.gov), Internal Revenue Service (IRS.gov), and state insurance commissioner bulletins.
Our calculators execute deterministic algorithms matching the exact statutory equations. We never guess or estimate numbers through black-box generative models.
Before an article or tool is deployed, it undergoes cross-review to verify that citations are linked directly to authoritative, verifiable public records.
Whenever annual inflation adjustments or new statutes take effect (such as annual FPL thresholds, HSA contribution caps, and Part B premiums), all tools and articles are re-audited and stamped with the latest revision date.
Primary Regulatory Sources Monitored
Our research desk actively monitors and cross-checks against:
- CMS.gov: Medicare Part A/B/D cost schedules, IRMAA tiers, and No Surprises Act enforcement guidance.
- IRS.gov: Revenue Procedures detailing annual HSA limits, FSA caps, High Deductible Health Plan (HDHP) definitions, and medical expense deduction rules.
- ASPE / HHS.gov: Annual Federal Poverty Guidelines used for ACA Premium Tax Credit (PTC) calculations.
- Consumer Financial Protection Bureau (CFPB): Fair Debt Collection Practices Act (FDCPA) rules on medical debt credit reporting.
Corrections & Public Feedback Policy
Accuracy is our paramount priority. If you identify a discrepancy, outdated figure, or a recently amended state regulation that needs updating, our editorial board welcomes your review.
Editorial Desk Contact:
Email: editorial@myhealthreference.us
Subject line: Regulatory Revision Notice / Article Feedback
Disclaimer: MyHealthReference.us is an independent, non-governmental reference publisher. We are not affiliated with, endorsed by, or operated by the Centers for Medicare & Medicaid Services (CMS), the U.S. Department of Health and Human Services (HHS), or the Internal Revenue Service (IRS). The educational information and calculators on this site do not constitute formal legal, tax, or medical advice.