About Vitality Press
Updated
Who we are
Vitality Press is an independent editorial team that publishes citation-rich, methodology-transparent decision calculators for the moments where one bad number costs a household real money — an ACA subsidy cliff, a severance offer, a homeowner-insurance Coverage A figure. We publish under a team byline rather than under individual names because the topics we cover (tax, insurance, employment law) carry real professional and personal exposure for the people who research them, and the work itself stands or falls on the primary sources cited on each page, not on the byline above them.
Vitality Press is an editorial imprint of Vitality SD.
Our publications
- acacliff.com — ACA Premium Tax Credit cliff at 400% FPL, MAGI-reduction tactics, regime-aware (cliff vs IRA-enhanced smoothed).
- severancecalc.net — after-tax severance, WARN Act analysis, OWBPA review windows, COBRA cost, Section 280G flag, equity at termination.
- rebuildcostcalc.com — homeowners-insurance Coverage A sizing from public construction-cost data (NAHB, BLS PPI, Census ACS, ICC, FEMA), with Coverage B/C/D derivations.
Editorial standards
Every numeric claim ties to a primary source — federal statute, IRS publication, agency document (HHS, CMS, IRS, DOL, BLS, SSA, state revenue / insurance / labor department), or controlling case law. Where we paraphrase, we link the source so readers can compare. Where we quote statutory text, the quoted text is character-exact to the source as retrieved on the page's last-updated date. KFF and CMS rate-filing aggregations are referenced where they provide aggregated data that has no primary equivalent.
We do not publish AI-generated content as editorial without human review and primary-source verification on every numeric claim.
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If you spot an error — a number off by more than $1, a misattributed citation, a broken link, an outdated statute reference — email hello@acacliff.comwith the page URL and the source you'd like us to compare against.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. Confirmed corrections bump the “Last updated” date on the affected page and are noted in our internal editorial log.
Update cadence (this site)
- 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 (see Privacy) and by relevant affiliate links on outbound references. When affiliate links are active, a script from our affiliate partner (Skimlinks) loads on each page and converts qualifying outbound links into tracked affiliate links. 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 and affiliate revenue.
Conflict of interest
Vitality Press operates independently of any insurance carrier, broker, marketplace operator, or healthcare-benefits-administration company. No member of the editorial team holds licensing, employment, or equity in those categories. Our primary income source as a publisher is separate from any individual party we cite or discuss.
Contact
Editorial questions: hello@acacliff.com. For corrections, press inquiries, partnerships, or advertising, see the dedicated Contact page.