1. Portfolio Demonstration Project
Marketplace Subsidy Simulator is a portfolio project created by Mohit Taneja to demonstrate full-stack development skills.
This is NOT:
- A commercial product, service, or government tool
- Endorsed, sponsored, or affiliated with any government agency (IRS, CMS, HHS)
- Affiliated with healthcare.gov, any state marketplace, or insurance provider
- A substitute for professional financial, tax, legal, or medical advice
- Certified, audited, or reviewed by any third-party authority
- Intended for actual healthcare enrollment, tax filing, or financial planning
DO NOT use this tool to make real financial decisions, enroll in health insurance, or file your taxes.
2. Not Financial, Tax, or Legal Advice
⚠️ CRITICAL: This tool does NOT provide financial, tax, legal, or medical advice.
The calculations provided are estimates only based on publicly available ACA regulations and formulas.
You should consult with qualified professionals:
- Certified Public Accountant (CPA) - For tax planning and filing
- Certified Financial Planner (CFP) - For financial strategy
- Licensed Insurance Agent - For actual health insurance enrollment
- Tax Attorney - For complex tax situations
- Healthcare Navigator - For marketplace enrollment assistance
3. Accuracy and Reliability
⚠️ NO WARRANTY OF ACCURACY
While I strive for accuracy, I make no guarantees, warranties, or representations that:
- Calculations are correct, complete, or accurate
- Data reflects the latest ACA regulations, tax laws, or FPL guidelines
- Results match official IRS, healthcare.gov, or state marketplace calculations
- Subsidy estimates reflect your actual eligibility or entitlement
- The Service is error-free, bug-free, or reliable
- Third-party data sources (if used) are current or accurate
Real-World Example:
If this tool estimates a $5,000 annual premium tax credit, your actual credit determined by the IRS could be:
- Higher - if your actual income is lower than estimated
- Lower - if your actual income is higher, or you don't qualify
- Zero - if you become ineligible (employer coverage, Medicaid, income too high)
- Subject to repayment - if advance payments exceed actual credit
Always verify with official sources and file accurate tax returns.
4. Regulatory Changes & Data Staleness
ACA regulations, tax laws, and subsidy formulas change frequently and unpredictably:
Annual Changes:
- Federal Poverty Level (FPL) - Updated annually by HHS (typically January/February)
- Premium tax credit percentages - Subject to legislative changes (e.g., American Rescue Plan, Inflation Reduction Act)
- Maximum contribution thresholds - Adjusted annually
- State marketplace rules - Vary by state and change year-to-year
Mid-Year Changes:
- IRS guidance, rulings, and FAQs
- Executive orders affecting implementation
- Court decisions (e.g., King v. Burwell, Texas v. United States)
- Congressional legislation (e.g., subsidy extensions, modifications)
⚠️ This tool may NOT reflect the latest changes.
Regulatory data in this Service may be days, weeks, or months out of date. I am not obligated to update this data promptly or at all.
Official Sources to Verify:
5. Limitation of Liability
Mohit Taneja and Marketplace Subsidy Simulator shall NOT be liable for:
- Any financial losses or damages resulting from use of this tool
- Incorrect subsidy estimates or tax calculations
- Missed enrollment deadlines or penalties
- Tax filing errors based on tool outputs
- Healthcare coverage gaps or denied coverage
- Any direct, indirect, incidental, or consequential damages
6. No Warranty
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.
I disclaim all warranties, express or implied, including but not limited to:
- Merchantability
- Fitness for a particular purpose
- Non-infringement
- Accuracy or completeness of data or calculations
- Uninterrupted or error-free operation
- Security or privacy guarantees
7. Assumptions and Limitations
This tool makes simplifying assumptions and has limitations:
- Does not account for all possible income types or adjustments
- May not reflect your specific state's marketplace rules
- Does not consider special enrollment periods or life events
- Cannot account for individual health needs or plan preferences
- Does not include dental, vision, or supplemental coverage
8. Your Responsibility
You are solely responsible for:
- Verifying all calculations independently
- Consulting with qualified professionals
- Filing accurate tax returns with the IRS
- Enrolling in health insurance through official channels
- Understanding your eligibility and obligations
- Making informed financial decisions
9. Educational Use Only
This tool is intended for:
- Educational purposes - Learning about ACA subsidies
- Rough estimates - Getting ballpark figures for planning
- Portfolio demonstration - Showcasing full-stack development
This tool is NOT intended for actual tax filing, healthcare enrollment, or financial decision-making without professional consultation.
10. Governing Law
This Disclaimer is governed by the laws of India, consistent with theTerms of Service and Privacy Policy.
Any disputes arising from reliance on this Service or this Disclaimer shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India.
11. Changes to This Disclaimer
I may update this Disclaimer at any time without prior notice. The "Last Updated" date at the top will reflect the most recent changes.
It is your responsibility to review this Disclaimer periodically. Continued use of the Service after changes constitutes acceptance of the updated Disclaimer.
12. Contact Information
Questions or concerns about this Disclaimer? Contact:
⚠️ IMPORTANT ACKNOWLEDGMENT
By using Marketplace Subsidy Simulator, you acknowledge and agree that:
- You have read, understood, and agree to this Disclaimer
- This is a portfolio demonstration project, not professional advice
- You will NOT rely on this Service for actual financial, tax, legal, or medical decisions
- You accept all risks associated with using estimates from this tool
- You will verify all information with official sources and qualified professionals
© 2026 Mohit Taneja. All rights reserved.•Portfolio demonstration project•Not affiliated with any third-party brand