Legal and Financial Disclaimer
General Disclaimer
The calculators and content on MyHealthReference.us provide mathematical estimates based on formulas and data published by federal agencies including the Internal Revenue Service (IRS), Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (HHS), and state legislatures. These tools are designed for informational and educational purposes only.
Nothing on this website constitutes professional financial, tax, legal, or medical advice.
Our tools apply published federal formulas to user-provided inputs. They do not account for your complete financial picture, individual tax circumstances, plan-specific exclusions, or state-level exceptions that may affect your actual obligations.
Not a Substitute for Professional Advice
Before making any financial, insurance, or healthcare decisions, you should always verify all figures and eligibility determinations with:
- A Certified Public Accountant (CPA) or licensed tax professional for tax-related calculations (HSA limits, MAGI thresholds)
- Your employer's HR or benefits department for plan-specific details (COBRA eligibility, premium amounts)
- Your insurance carrier for exact premium, deductible, and out-of-pocket maximums applicable to your plan
- A licensed insurance broker for ACA Marketplace plan selection and subsidy estimates
- A consumer rights attorney for questions about medical debt statutes of limitations
- The official federal portals: IRS.gov, Medicare.gov, Healthcare.gov
Accuracy and Timeliness
We make every reasonable effort to ensure that the data and formulas used in our calculators are accurate and up to date. However, federal regulations change annually, and there may be a delay between when new rules are published and when our tools are updated. We do not guarantee that calculator outputs are error-free, complete, or current at the time of use.
Limitation of Liability
MyHealthReference.us, its authors, and its contributors shall not be held liable for any losses, damages, or adverse outcomes — financial or otherwise — arising from the use of the calculators or content on this website. By using this site, you acknowledge that:
- Calculator results are estimates, not guarantees
- You are solely responsible for verifying all figures before acting on them
- The site is not responsible for any financial decisions made based on calculator outputs
- Individual circumstances may produce results that differ from the estimates shown
No Professional Relationship
Use of this website does not create a professional-client relationship of any kind. MyHealthReference.us is an independent reference publisher and is not affiliated with the IRS, CMS, HHS, Healthcare.gov, or any insurance carrier.
External Links
This site contains links to third-party websites for reference and verification purposes. We are not responsible for the accuracy, content, or availability of external sites. Inclusion of a link does not imply endorsement.
Contact
If you have questions about this disclaimer, please contact us at contact@myhealthreference.us.