We show you the math. Here are the receipts.
This tool calculates personalized healthcare cost impacts based on publicly available government data. No guesswork, no spin — just the numbers and who voted for them.
Where the data comes from
Premium data
Marketplace rate filings from the Centers for Medicare & Medicaid Services (CMS). We use the Individual Market Public Use Files, which contain every plan's premium by county, age band, and metal level.
CMS Public Use FilesSubsidy calculations
Based on the ACA formula: your expected contribution (a percentage of income tied to the Federal Poverty Level) compared against the second-lowest-cost Silver plan in your county — the benchmark plan.
Healthcare.gov — Premium Tax CreditsCongressional votes
Official roll call data pulled directly from the congress.gov API. We track every recorded vote on healthcare-related legislation in the current session.
congress.gov APIBill text & status
Legislation details, sponsor information, and status tracking from the congress.gov API. Updated daily.
congress.gov APIRepresentative lookup
We use the Google Civic Information API to map your ZIP code to your congressional district and find your elected officials.
Google Civic Information APIHow the impact engine works
When you enter your ZIP code, income, and household size, here's what happens:
- We find your county and look up marketplace premiums filed with CMS for your area.
- We calculate your ACA subsidy — the tax credit that lowers your monthly cost — based on the benchmark Silver plan and your income.
- We model what changed when the enhanced premium tax credits expired in 2026, showing your before and after costs.
- We look up your congressional district and find how your representatives voted on the bills that made it happen.
The engine is deterministic TypeScript with Zod schema contracts — same inputs always produce the same outputs. No AI, no black boxes.
What we don't do
No data storage. We don't store your personal information. Your ZIP code and income never leave your session.
No sides. We show votes from both parties. The data speaks for itself.
No ads or data sales. This tool is free. We don't monetize your visit.
No lobbyist funding. We don't accept money from insurance companies, pharma, or political action committees.
Methodology notes
Bill relevance. Not every bill in Congress affects your premiums equally. We rank bills into three tiers: Tier 1 bills directly change subsidy formulas or marketplace rules, Tier 2 bills have significant indirect effects, and Tier 3 bills have minor or tangential healthcare provisions.
Estimates, not guarantees. Your actual costs depend on which plan you choose, your exact income, and your county's insurer landscape. We show ranges where the data supports it.
Data freshness. Congressional vote data and bill status are refreshed daily. Premium data is updated when CMS publishes new rate filings (typically annually).