Members

Business and research documentation about the people AskFlorence serves — their eligibility, income qualifications, household composition, life events, immigration status, and the subsidy mechanics that determine what coverage they can access.

This section is the home for working drafts that drive how AskFlorence assesses, qualifies, and serves members. Content here is research-first: it evolves as federal regulations shift, edge cases surface in real enrollments, and new state-level rules come into play.

What lives here

• Eligibility findings — what determines qualification for subsidized marketplace coverage, Medicaid, CHIP, or state-funded alternatives
• Income & MAGI rules — how household income is calculated, reported, estimated, and reconciled against actuals
• Renewal & life-event mechanics — open enrollment, special enrollment periods, redetermination, qualifying life events
• Household composition — who counts in a member's MAGI, dependent rules, mixed-status family handling
• Immigration status — eligibility for lawfully present immigrants, OBBBA and DACA shifts, state-level alternatives
• Subsidy mechanics — premium tax credits (PTC), cost-sharing reductions (CSR), repayment caps, advance payments
• State-funded coverage programs — BHP, state-funded immigrant coverage, Medicaid expansion variants

What does NOT live here

Engineering and architecture docs about the member-facing product — calculator math, AI assistance, data flow — live in their respective engineering sections (Validation, Data Sources, Florence AI). When a research finding here graduates into a canonical engineering decision, it moves into an ADR.

Documents

• Medicaid coverage gap — sub-100% FPL income handling, US citizen Medicaid gap vs lawfully present immigrant ACA eligibility, OBBBA changes for 2026