Editorial Team

Who writes this site

The ACA Cliff Calculator is operated and edited by Kristian Fennessy, the owner of the underlying LLC and the sole author of the calculator's engine, content, and methodology. Health-policy review is done in collaboration with subject-matter researchers under a freelance editorial process; named bylines are added on pages where a specific contributor reviewed the math or the citations.

Editorial standards

Every numeric claim ties to a primary source — federal statute, IRS publication, agency document, or state-government publication. Where we paraphrase, we link the source so readers can compare; where we quote, the quoted text is character-exact to the source as retrieved on the page's last-updated date. We do not copy-paste from third-party explanatory sites (KFF aggregations, broker blogs); those are referenced only where they provide aggregated data that has no primary equivalent.

Corrections policy

If you spot an error — a number off by more than $1, a misattributed citation, a broken link, an outdated statute reference — email hello@acacliff.comwith the page URL and the source you'd like us to compare against. We aim to reply within one week and to issue the correction within two weeks of the report being verified. Corrected pages get a "Last updated" date bump and the correction is noted in our internal changelog.

Update cadence

• · Applicable-percentage table: annual on IRS Rev. Proc. publication (~July preceding tax year).
• · FPL guidelines: annual on HHS ASPE update (~January).
• · SLCSP age-band averages: annual at open enrollment (~November).
• · Medicaid expansion status: quarterly check; updates rare.
• · State-subsidy backfills: annual after state marketplace press releases.
• · Regime flag: watched quarterly during 2026; flipped via env var if Congress passes an extension.

Funding

The site is funded by display advertising via Google AdSense (see privacy). We do not sell health insurance, accept carrier commissions, or accept referral fees from healthcare.gov or any state marketplace. We do not pay for backlinks and we do not accept guest posts. Editorial decisions are independent of advertising revenue.

Conflict of interest

The operator's primary income source is separate from this site. No member of the editorial team holds licensing, employment, or equity in any insurance carrier, broker, marketplace operator, or healthcare-benefits-administration company.

Contact

Editorial questions: hello@acacliff.com.