About MyHealthReference.us
MyHealthReference.us is an independent editorial project dedicated to making U.S. health insurance regulations accessible to everyday consumers. Our tools are built by researchers who monitor annual IRS, CMS, and HHS publications — not licensed professionals, but people who read the source documents so you don't have to.
Our calculators implement the exact mathematical formulas published by federal agencies. We don't guess. We don't use AI to generate numbers. We read the Revenue Procedures, the CMS fact sheets, and the ACA statute — and we build logic engines that apply those rules to your specific inputs.
When regulations change — and they do every year — we update our data files before the new plan year begins.
Note: MyHealthReference.us is not affiliated with the IRS, CMS, HHS, or Healthcare.gov. We are an independent reference publisher. All tools are for informational purposes only.