MaxGhenis · Oct 20, 2026
diff --git a/changelog.d/nj-njhps-exact-fpl-ratio.fixed.md b/changelog.d/nj-njhps-exact-fpl-ratio.fixed.md
@@ -0,0 +1 @@
+Decide New Jersey Health Plan Savings' 600% income ceiling on the exact ratio of ACA MAGI to the prior-year poverty guideline instead of the truncated `aca_magi_fraction`, so incomes from 600.003% to 600.994% of the poverty line are no longer eligible, and put a household exactly at 150%, 200%, 250% or 400% of the poverty line (or up to one point above it) in the higher per-member band, following DOBI's table of plan year 2026 amounts ("At least 150% FPL but less than 200% FPL", ..., "At least 550% FPL but less than or equal to 600% FPL", "Above 600% FPL").
diff --git a/policyengine_us/parameters/gov/states/nj/dobi/njhps/pmpm.yaml b/policyengine_us/parameters/gov/states/nj/dobi/njhps/pmpm.yaml
@@ -14,6 +14,8 @@ metadata:
       href: https://pub.njleg.gov/bills/2020/AL20/61_.HTM
     - title: Get Covered NJ - New Jersey Health Plan Savings
       href: https://www.nj.gov/getcoverednj/financialhelp/premiums/
+    - title: NJ DOBI 2027 Rate Filing Requirements, section 7 (plan year 2026 subsidy amounts by FPL range)
+      href: https://www.nj.gov/dobi/division_insurance/ihcseh/ratefilings/2027RateFilingRequirements.pdf#page=4
 
 brackets:
   # Household income measured as ACA MAGI as a share of the federal poverty line.
@@ -33,17 +35,23 @@ brackets:
   # FY2026, continuing "up to 600% FPL"). Neither source alone both states the
   # values and confirms PY2026 currency, so both are carried. The Get Covered NJ
   # URL is a secondary (anchorless) corroborating reference, not a value source.
-  # Bands are lower-exclusive / upper-inclusive, so thresholds use the "x.0001"
-  # convention to match the published "from X% through Y%" banding. The 138% floor
-  # is enforced by the eligibility gate; this base band gives $0 below 138% FPL so
-  # the single_amount lookup covers the full domain.
+  # Bands are lower-inclusive / upper-exclusive, as DOBI's 2027 Rate Filing
+  # Requirements (section 7) tabulate "the subsidy amounts from plan year 2026":
+  # "Less than 150% FPL" $20, "At least 150% FPL but less than 200% FPL" $40, ...,
+  # "At least 550% FPL but less than or equal to 600% FPL" $50, "Above 600% FPL"
+  # $0. Each threshold is therefore the band's lower edge, and a household exactly
+  # at an edge takes the higher band. The scale reads the truncated
+  # aca_magi_fraction, which is exact for lower-inclusive whole-percentage edges.
+  # The 138% floor and the 600% ceiling are enforced by the eligibility gate; this
+  # base band gives $0 below 138% FPL so the single_amount lookup covers the full
+  # domain.
   # Below 138% FPL (routed to NJ FamilyCare/Medicaid) -> $0 per member per month.
   - threshold:
       2026-01-01: 0
     amount:
       0000-01-01: 0
       2026-01-01: 0
-  # 138% through 150% FPL -> $20 per member per month. The schedule is new to the
+  # 138% to less than 150% FPL -> $20 per member per month. The schedule is new to the
   # model for PY2026, so every band is $0 before 2026-01-01. The threshold is set
   # to 1.3799 (just below the 138% floor) because aca_magi_fraction is a float32
   # variable and float32(1.38) rounds to 1.37999999..., which is just BELOW a
@@ -54,32 +62,32 @@ brackets:
     amount:
       0000-01-01: 0
       2026-01-01: 20
-  # 150% through 200% FPL -> $40.
+  # At least 150% but less than 200% FPL -> $40.
   - threshold:
-      2026-01-01: 1.5001
+      2026-01-01: 1.5
     amount:
       0000-01-01: 0
       2026-01-01: 40
-  # 200% through 250% FPL -> $50.
+  # At least 200% but less than 250% FPL -> $50.
   - threshold:
-      2026-01-01: 2.0001
+      2026-01-01: 2
     amount:
       0000-01-01: 0
       2026-01-01: 50
-  # 250% through 400% FPL -> $100.
+  # At least 250% but less than 400% FPL -> $100.
   - threshold:
-      2026-01-01: 2.5001
+      2026-01-01: 2.5
     amount:
       0000-01-01: 0
       2026-01-01: 100
-  # 400% through 600% FPL -> $50. In this band the federal APTC is $0 (the 400% FPL
+  # At least 400% and up to 600% FPL -> $50. In this band the federal APTC is $0 (the 400% FPL
   # cliff reverts for PY2026), so NJHPS is the sole premium subsidy.
   - threshold:
-      2026-01-01: 4.0001
+      2026-01-01: 4
     amount:
       0000-01-01: 0
       2026-01-01: 50
-  # Above 600% FPL (ineligible) -> $0.
+  # Above 600% FPL (ineligible; the eligibility gate excludes it) -> $0.
   - threshold:
       2026-01-01: 6.0001
     amount:

diff --git a/policyengine_us/tests/policy/baseline/gov/states/nj/dobi/njhps/integration.yaml b/policyengine_us/tests/policy/baseline/gov/states/nj/dobi/njhps/integration.yaml
@@ -1,6 +1,7 @@
 # Integration tests for New Jersey Health Plan Savings (NJHPS).
 #
-# These exercise the full chain: aca_magi_fraction (income band) ->
+# These exercise the full chain: the exact ratio of ACA MAGI to the prior-year
+# guideline (eligibility band) and aca_magi_fraction (PMPM band) ->
 # nj_njhps_member_eligible (per-person non-income enrollee gate) ->
 # nj_njhps_eligible (in_effect + band + at least one member) ->
 # nj_njhps (per-member build-up capped by SLCSP - APTC).
@@ -12,19 +13,19 @@
 #
 # Amount formula recap:
 #   n            = count of nj_njhps_member_eligible members
-#   pmpm(frac)   = 20 [1.38-1.5], 40 (1.5-2.0], 50 (2.0-2.5], 100 (2.5-4.0],
-#                  50 (4.0-6.0], 0 elsewhere   [per member per month]
+#   pmpm(frac)   = 20 [1.38-1.5), 40 [1.5-2.0), 50 [2.0-2.5), 100 [2.5-4.0),
+#                  50 [4.0-6.0], 0 elsewhere   [per member per month]
 #   base_annual  = 12 * pmpm(frac) * n
 #   residual     = max(0, slcsp_annual - aca_ptc)
 #   annual       = eligible * min(base_annual, residual)
 
-- name: Scenario 1, single adult with income deriving 200% FPL, $40 band.
+- name: Scenario 1, single adult with income deriving 200% FPL, $50 band.
   # Income path: employment_income 31_300 -> aca_magi 31_300 (single W-2 filer,
   # AGI = gross). aca_magi_fraction uses the PRIOR-year (2025) single FPG 15_650:
   #   floor(100 * 31_300 / 15_650) / 100 = floor(200.0) / 100 = 2.0.
-  # frac 2.0 is upper-inclusive in the (1.5, 2.0] band -> pmpm 40. n=1 ->
-  # base = 12*40 = 480. residual = max(0, 8_000 - 5_000) = 3_000.
-  # annual = min(480, 3_000) = 480.
+  # DOBI's plan year 2026 bands are lower-inclusive: "At least 200% FPL but less
+  # than 250% FPL" -> pmpm 50. n=1 -> base = 12*50 = 600.
+  # residual = max(0, 8_000 - 5_000) = 3_000. annual = min(600, 3_000) = 600.
   period: 2026
   absolute_error_margin: 0.01
   input:
@@ -49,7 +50,7 @@
     nj_njhps_eligible: true
     slcsp: 8_000  # annual sum of the MONTH variable
     aca_ptc: 5_000
-    nj_njhps: 480
+    nj_njhps: 600
 
 - name: Scenario 2, family of four at 300% FPL, four members, digest anchor.
   # frac 3.0 -> pmpm 100. All four pay an ACA premium -> n=4.
@@ -66,7 +67,9 @@
     tax_units:
       tax_unit:
         members: [person1, person2, person3, person4]
-        aca_magi_fraction: 3.0
+        aca_magi: 30_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 20_000
         aca_ptc: 8_000
     households:
@@ -96,7 +99,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 5.0
+        aca_magi: 50_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 7_000
         aca_ptc: 0
     households:
@@ -125,7 +130,9 @@
     tax_units:
       tax_unit:
         members: [person1, person2]
-        aca_magi_fraction: 2.2
+        aca_magi: 22_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 6_000
         aca_ptc: 5_200
     households:
@@ -153,7 +160,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 1.2
+        aca_magi: 12_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 6_000
         aca_ptc: 4_000
     households:
@@ -181,7 +190,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 2.5
+        aca_magi: 25_000
+        tax_unit_fpg:
+          2025: 10_000
         filing_status: SEPARATE
         slcsp: 9_000
         aca_ptc: 4_000
@@ -211,7 +222,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 6.0
+        aca_magi: 60_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 10_000
         aca_ptc: 0
     households:
@@ -231,10 +244,10 @@
 # ===========================================================================
 
 - name: Scenario 8, exactly 400% FPL, APTC-positive residual caps below the base.
-  # notes: 400.0 leg of the residual-flip pair. frac 4.0 (NOT > 4.0001) -> pmpm 100,
-  # n=1 -> base = 12*100 = 1_200. At the cliff the tax unit is still APTC-eligible,
+  # notes: 400.0 leg of the residual-flip pair. "At least 400% FPL" -> pmpm 50,
+  # n=1 -> base = 12*50 = 600. At the cliff the tax unit is still APTC-eligible,
   # so aca_ptc 9_500 -> residual = max(0, 10_000 - 9_500) = 500. annual =
-  # min(1_200, 500) = 500 (the post-APTC residual binds). Paired with Scenario 9.
+  # min(600, 500) = 500 (the post-APTC residual binds). Paired with Scenario 9.
   period: 2026
   absolute_error_margin: 0.01
   input:
@@ -245,7 +258,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 4.0
+        aca_magi: 40_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 10_000
         aca_ptc: 9_500
     households:
@@ -262,7 +277,7 @@
 
 - name: Scenario 9, just above 400% FPL, APTC 0 so residual is the full SLCSP.
   # notes: 400.01 leg of the residual-flip pair (same slcsp 10_000 as Scenario 8).
-  # frac 4.01 > 4.0001 -> pmpm 50, n=1 -> base = 12*50 = 600. Above the 400% cliff
+  # frac 4.01 >= 4.0 -> pmpm 50, n=1 -> base = 12*50 = 600. Above the 400% cliff
   # aca_ptc 0 -> residual = max(0, 10_000 - 0) = 10_000. annual = min(600, 10_000) =
   # 600. The residual source flips from slcsp - aptc (500) to full slcsp (10_000),
   # so the base binds -> 600. NJHPS is the sole subsidy in this band.
@@ -276,7 +291,9 @@
     tax_units:
       tax_unit:
         members: [person1]
-        aca_magi_fraction: 4.01
+        aca_magi: 40_100
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 10_000
         aca_ptc: 0
     households:
@@ -307,7 +324,9 @@
     tax_units:
       tax_unit:
         members: [person1, person2, person3, person4]
-        aca_magi_fraction: 3.0
+        aca_magi: 30_000
+        tax_unit_fpg:
+          2025: 10_000
         slcsp: 20_000
         aca_ptc: 8_000
     households:
Original file line number	Diff line number	Diff line change
		@@ -0,0 +1 @@
		Decide New Jersey Health Plan Savings' 600% income ceiling on the exact ratio of ACA MAGI to the prior-year poverty guideline instead of the truncated `aca_magi_fraction`, so incomes from 600.003% to 600.994% of the poverty line are no longer eligible, and put a household exactly at 150%, 200%, 250% or 400% of the poverty line (or up to one point above it) in the higher per-member band, following DOBI's table of plan year 2026 amounts ("At least 150% FPL but less than 200% FPL", ..., "At least 550% FPL but less than or equal to 600% FPL", "Above 600% FPL").