pigeongov 0.2.0

package/dist/src/workflows/domains/healthcare-ext.d.ts

@@ -0,0 +1,88 @@
+import type { WorkflowBundle } from "../../types.js";
+import type { MedicareEnrollmentInput } from "../schemas/healthcare-ext.js";
+declare function buildMedicareEnrollmentBundle(input: MedicareEnrollmentInput): WorkflowBundle;
+export declare const healthcareExtWorkflows: {
+    readonly "healthcare/medicare-enrollment": {
+        summary: {
+            id: string;
+            domain: "healthcare";
+            title: string;
+            summary: string;
+            status: "active";
+            audience: "individual";
+            tags: string[];
+        };
+        inputSchema: import("zod").ZodObject<{
+            applicantName: import("zod").ZodString;
+            dob: import("zod").ZodString;
+            age: import("zod").ZodCoercedNumber<unknown>;
+            hasPartA: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            hasPartB: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            currentCoverage: import("zod").ZodDefault<import("zod").ZodString>;
+            annualIncome: import("zod").ZodCoercedNumber<unknown>;
+            filingStatus: import("zod").ZodEnum<{
+                single: "single";
+                married_filing_jointly: "married_filing_jointly";
+            }>;
+        }, import("zod/v4/core").$strict>;
+        starterData: {
+            applicantName: string;
+            dob: string;
+            age: number;
+            hasPartA: false;
+            hasPartB: false;
+            currentCoverage: string;
+            annualIncome: number;
+            filingStatus: "single";
+        };
+        sections: ({
+            id: string;
+            title: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "text";
+            } | {
+                key: string;
+                label: string;
+                type: "date";
+            } | {
+                key: string;
+                label: string;
+                type: "number";
+            } | {
+                key: string;
+                label: string;
+                type: "confirm";
+            })[];
+        } | {
+            id: string;
+            title: string;
+            fields: {
+                key: string;
+                label: string;
+                type: "text";
+                helpText: string;
+            }[];
+        } | {
+            id: string;
+            title: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "currency";
+                options?: never;
+            } | {
+                key: string;
+                label: string;
+                type: "select";
+                options: {
+                    label: string;
+                    value: string;
+                }[];
+            })[];
+        })[];
+        buildBundle: typeof buildMedicareEnrollmentBundle;
+    };
+};
+export {};

package/dist/src/workflows/domains/healthcare-ext.js

@@ -0,0 +1,150 @@
+import { buildEvidenceItem, buildGenericSummary, currency, genericArtifacts, makeCheck, makeFlag, } from "../helpers.js";
+import { medicareEnrollmentInputSchema } from "../schemas/healthcare-ext.js";
+const IRMAA_BRACKETS = [
+    { singleThreshold: 103_000, mfjThreshold: 206_000, surcharge: 0 },
+    { singleThreshold: 129_000, mfjThreshold: 258_000, surcharge: 70.90 },
+    { singleThreshold: 161_000, mfjThreshold: 322_000, surcharge: 176.40 },
+    { singleThreshold: 193_000, mfjThreshold: 386_000, surcharge: 281.90 },
+    { singleThreshold: 500_000, mfjThreshold: 750_000, surcharge: 387.40 },
+    // Above $500k single / $750k MFJ
+    { singleThreshold: Infinity, mfjThreshold: Infinity, surcharge: 419.30 },
+];
+const PART_B_BASE_PREMIUM_2025 = 185;
+function calculateIrmaa(income, filingStatus) {
+    for (const bracket of IRMAA_BRACKETS) {
+        const threshold = filingStatus === "single" ? bracket.singleThreshold : bracket.mfjThreshold;
+        if (income <= threshold) {
+            return bracket.surcharge;
+        }
+    }
+    // Above highest bracket
+    return IRMAA_BRACKETS[IRMAA_BRACKETS.length - 1].surcharge;
+}
+function buildMedicareEnrollmentBundle(input) {
+    const eligible = input.age >= 65;
+    const irmaaSurcharge = calculateIrmaa(input.annualIncome, input.filingStatus);
+    const monthlyPremium = PART_B_BASE_PREMIUM_2025 + irmaaSurcharge;
+    // Late enrollment penalty: 10% per 12-month period without coverage after initial enrollment
+    // Only applies if age > 65 and no Part B and no current creditable coverage
+    const hasCredibleCoverage = input.currentCoverage !== "none";
+    const yearsLate = eligible && !input.hasPartB && !hasCredibleCoverage
+        ? Math.max(0, input.age - 65)
+        : 0;
+    const lateEnrollmentPenalty = yearsLate * 0.10 * PART_B_BASE_PREMIUM_2025;
+    const totalMonthlyWithPenalty = monthlyPremium + lateEnrollmentPenalty;
+    const evidence = [
+        buildEvidenceItem("ss-statement", "Social Security statement", true, eligible),
+        buildEvidenceItem("current-insurance", "Current insurance information", true, hasCredibleCoverage),
+    ];
+    const flags = [];
+    if (yearsLate > 0) {
+        flags.push(makeFlag("lateEnrollment", "warning", `Late enrollment penalty: ${currency(lateEnrollmentPenalty)}/month (${yearsLate} year(s) late at 10% penalty per year). This penalty is permanent.`));
+    }
+    if (irmaaSurcharge > 0) {
+        flags.push(makeFlag("irmaa", "review", `IRMAA surcharge of ${currency(irmaaSurcharge)}/month applies based on income of ${currency(input.annualIncome)}.`));
+    }
+    if (!eligible) {
+        flags.push(makeFlag("age", "review", `Age ${input.age} — not yet eligible for Medicare (65+). Consider marketplace or employer coverage.`));
+    }
+    const checks = [
+        makeCheck("age-eligible", "Age 65 or older", eligible, "warning", "Medicare eligibility begins at age 65."),
+        makeCheck("part-b-enrolled", "Part B enrollment", input.hasPartB, "warning", "Part B covers outpatient care. Late enrollment incurs permanent penalties."),
+    ];
+    return {
+        workflowId: "healthcare/medicare-enrollment",
+        domain: "healthcare",
+        title: "Medicare enrollment planner",
+        summary: "Medicare eligibility assessment with IRMAA calculation and late enrollment penalty estimation. PigeonGov does not enroll in Medicare.",
+        applicant: undefined,
+        household: [],
+        evidence,
+        answers: input,
+        derived: {
+            eligible,
+            partBBasePremium: PART_B_BASE_PREMIUM_2025,
+            irmaaSurcharge,
+            monthlyPremium,
+            yearsLate,
+            lateEnrollmentPenalty,
+            totalMonthlyWithPenalty,
+            hasCredibleCoverage,
+        },
+        validation: { checks, flaggedFields: flags },
+        review: buildGenericSummary("Medicare enrollment", eligible ? `eligible — ${currency(totalMonthlyWithPenalty)}/month total` : "not yet eligible", evidence, flags, [
+            `Applicant: ${input.applicantName}. Age: ${input.age}. DOB: ${input.dob}.`,
+            `Eligibility: ${eligible ? "eligible (65+)" : "not yet eligible"}.`,
+            `Part B base premium (2025): ${currency(PART_B_BASE_PREMIUM_2025)}/month.`,
+            irmaaSurcharge > 0 ? `IRMAA surcharge: ${currency(irmaaSurcharge)}/month.` : "No IRMAA surcharge.",
+            yearsLate > 0 ? `Late enrollment penalty: ${currency(lateEnrollmentPenalty)}/month (${yearsLate} year(s) × 10%).` : "",
+            `Total estimated monthly premium: ${currency(totalMonthlyWithPenalty)}.`,
+            `Part A: ${input.hasPartA ? "enrolled" : "not enrolled"}. Part B: ${input.hasPartB ? "enrolled" : "not enrolled"}.`,
+        ].filter(Boolean)),
+        outputArtifacts: genericArtifacts("healthcare-medicare-enrollment", evidence),
+        provenance: ["workflow-registry"],
+    };
+}
+// ---------------------------------------------------------------------------
+// Export
+// ---------------------------------------------------------------------------
+export const healthcareExtWorkflows = {
+    "healthcare/medicare-enrollment": {
+        summary: {
+            id: "healthcare/medicare-enrollment",
+            domain: "healthcare",
+            title: "Medicare enrollment planner",
+            summary: "Assess Medicare eligibility, calculate IRMAA surcharges, and estimate late enrollment penalties.",
+            status: "active",
+            audience: "individual",
+            tags: ["medicare", "healthcare", "irmaa", "enrollment", "retirement"],
+        },
+        inputSchema: medicareEnrollmentInputSchema,
+        starterData: {
+            applicantName: "",
+            dob: "",
+            age: 0,
+            hasPartA: false,
+            hasPartB: false,
+            currentCoverage: "none",
+            annualIncome: 0,
+            filingStatus: "single",
+        },
+        sections: [
+            {
+                id: "eligibility",
+                title: "Eligibility",
+                fields: [
+                    { key: "applicantName", label: "Applicant name", type: "text" },
+                    { key: "dob", label: "Date of birth", type: "date" },
+                    { key: "age", label: "Current age", type: "number" },
+                    { key: "hasPartA", label: "Currently enrolled in Part A", type: "confirm" },
+                    { key: "hasPartB", label: "Currently enrolled in Part B", type: "confirm" },
+                ],
+            },
+            {
+                id: "current-coverage",
+                title: "Current Coverage",
+                fields: [
+                    { key: "currentCoverage", label: "Current health coverage", type: "text", helpText: "Enter 'none' if uninsured" },
+                ],
+            },
+            {
+                id: "income",
+                title: "Income",
+                fields: [
+                    { key: "annualIncome", label: "Annual income (MAGI)", type: "currency" },
+                    {
+                        key: "filingStatus",
+                        label: "Filing status",
+                        type: "select",
+                        options: [
+                            { label: "Single", value: "single" },
+                            { label: "Married filing jointly", value: "married_filing_jointly" },
+                        ],
+                    },
+                ],
+            },
+        ],
+        buildBundle: buildMedicareEnrollmentBundle,
+    },
+};
+//# sourceMappingURL=healthcare-ext.js.map

package/dist/src/workflows/domains/healthcare-ext.js.map

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package/dist/src/workflows/domains/healthcare.d.ts

@@ -0,0 +1,92 @@
+import type { WorkflowBundle } from "../../types.js";
+import type { HealthcareWorkflowInput } from "../schemas/healthcare.js";
+export declare const healthcareWorkflows: {
+    readonly "healthcare/aca-enrollment": {
+        summary: {
+            id: string;
+            domain: "healthcare";
+            title: string;
+            summary: string;
+            status: "active";
+            audience: "household";
+            tags: string[];
+        };
+        inputSchema: import("zod").ZodObject<{
+            applicant: import("zod").ZodObject<{
+                firstName: import("zod").ZodString;
+                lastName: import("zod").ZodString;
+                ssn: import("zod").ZodDefault<import("zod").ZodString>;
+                address: import("zod").ZodObject<{
+                    street1: import("zod").ZodString;
+                    street2: import("zod").ZodOptional<import("zod").ZodString>;
+                    city: import("zod").ZodString;
+                    state: import("zod").ZodString;
+                    zipCode: import("zod").ZodString;
+                }, import("zod/v4/core").$strict>;
+            }, import("zod/v4/core").$strict>;
+            household: import("zod").ZodDefault<import("zod").ZodArray<import("zod").ZodObject<{
+                name: import("zod").ZodString;
+                relationship: import("zod").ZodString;
+                age: import("zod").ZodOptional<import("zod").ZodCoercedNumber<unknown>>;
+                notes: import("zod").ZodOptional<import("zod").ZodString>;
+            }, import("zod/v4/core").$strict>>>;
+            stateOfResidence: import("zod").ZodString;
+            annualHouseholdIncome: import("zod").ZodCoercedNumber<unknown>;
+            currentlyInsured: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            qualifyingLifeEvent: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            hasEmployerCoverageOffer: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            needsDependentCoverage: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            immigrationDocumentsAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            incomeProofAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            residenceProofAvailable: import("zod").ZodDefault<import("zod").ZodBoolean>;
+            preferredCoverageMonth: import("zod").ZodString;
+            notes: import("zod").ZodOptional<import("zod").ZodString>;
+        }, import("zod/v4/core").$strict>;
+        starterData: {
+            applicant: {
+                firstName: string;
+                lastName: string;
+                ssn: string;
+                address: {
+                    street1: string;
+                    city: string;
+                    state: string;
+                    zipCode: string;
+                };
+            };
+            household: never[];
+            stateOfResidence: string;
+            annualHouseholdIncome: number;
+            currentlyInsured: false;
+            qualifyingLifeEvent: false;
+            hasEmployerCoverageOffer: false;
+            needsDependentCoverage: false;
+            immigrationDocumentsAvailable: true;
+            incomeProofAvailable: false;
+            residenceProofAvailable: false;
+            preferredCoverageMonth: string;
+        };
+        sections: ({
+            id: string;
+            title: string;
+            fields: ({
+                key: string;
+                label: string;
+                type: "text";
+            } | {
+                key: string;
+                label: string;
+                type: "currency";
+            })[];
+        } | {
+            id: string;
+            title: string;
+            fields: {
+                key: string;
+                label: string;
+                type: "confirm";
+            }[];
+        })[];
+        buildBundle(input: HealthcareWorkflowInput): WorkflowBundle;
+    };
+};

package/dist/src/workflows/domains/healthcare.js

@@ -0,0 +1,126 @@
+import { buildEvidenceItem, buildGenericSummary, currency, genericArtifacts, makeCheck, makeFlag } from "../helpers.js";
+import { healthcareInputSchema } from "../schemas/healthcare.js";
+export const healthcareWorkflows = {
+    "healthcare/aca-enrollment": {
+        summary: {
+            id: "healthcare/aca-enrollment",
+            domain: "healthcare",
+            title: "Healthcare enrollment planner",
+            summary: "Organize household, income, and coverage evidence for marketplace enrollment review.",
+            status: "active",
+            audience: "household",
+            tags: ["healthcare", "aca", "marketplace", "household", "coverage"],
+        },
+        inputSchema: healthcareInputSchema,
+        starterData: {
+            applicant: {
+                firstName: "",
+                lastName: "",
+                ssn: "000-00-0000",
+                address: {
+                    street1: "",
+                    city: "",
+                    state: "CA",
+                    zipCode: "",
+                },
+            },
+            household: [],
+            stateOfResidence: "CA",
+            annualHouseholdIncome: 0,
+            currentlyInsured: false,
+            qualifyingLifeEvent: false,
+            hasEmployerCoverageOffer: false,
+            needsDependentCoverage: false,
+            immigrationDocumentsAvailable: true,
+            incomeProofAvailable: false,
+            residenceProofAvailable: false,
+            preferredCoverageMonth: "January",
+        },
+        sections: [
+            {
+                id: "household",
+                title: "Household",
+                fields: [
+                    { key: "applicant.firstName", label: "Applicant first name", type: "text" },
+                    { key: "stateOfResidence", label: "State of residence", type: "text" },
+                    {
+                        key: "annualHouseholdIncome",
+                        label: "Annual household income",
+                        type: "currency",
+                    },
+                    {
+                        key: "preferredCoverageMonth",
+                        label: "Preferred coverage month",
+                        type: "text",
+                    },
+                ],
+            },
+            {
+                id: "eligibility",
+                title: "Eligibility",
+                fields: [
+                    { key: "currentlyInsured", label: "Currently insured", type: "confirm" },
+                    { key: "qualifyingLifeEvent", label: "Qualifying life event", type: "confirm" },
+                    {
+                        key: "hasEmployerCoverageOffer",
+                        label: "Employer coverage offered",
+                        type: "confirm",
+                    },
+                    { key: "needsDependentCoverage", label: "Needs dependent coverage", type: "confirm" },
+                ],
+            },
+        ],
+        buildBundle(input) {
+            const householdSize = input.household.length + 1;
+            const monthlyIncome = input.annualHouseholdIncome / 12;
+            const evidence = [
+                buildEvidenceItem("income-proof", "Income proof", true, input.incomeProofAvailable),
+                buildEvidenceItem("residence-proof", "Residence proof", true, input.residenceProofAvailable),
+                buildEvidenceItem("immigration-docs", "Immigration or citizenship documents", true, input.immigrationDocumentsAvailable),
+                buildEvidenceItem("employer-coverage", "Employer coverage notice", input.hasEmployerCoverageOffer, !input.hasEmployerCoverageOffer, input.hasEmployerCoverageOffer
+                    ? "Human review recommended to compare affordability and minimum value."
+                    : undefined),
+            ];
+            const flags = [];
+            if (!input.qualifyingLifeEvent && input.currentlyInsured) {
+                flags.push(makeFlag("qualifyingLifeEvent", "review", "Outside open enrollment, a qualifying life event is usually needed to change coverage."));
+            }
+            if (input.hasEmployerCoverageOffer) {
+                flags.push(makeFlag("hasEmployerCoverageOffer", "review", "Employer-sponsored coverage may affect marketplace subsidies and needs a human check."));
+            }
+            const checks = [
+                makeCheck("income-proof", "Income proof available", input.incomeProofAvailable, "warning", "Upload pay stubs or other income proof before submission review."),
+                makeCheck("residence-proof", "Residence proof available", input.residenceProofAvailable, "warning", "Residence proof is often needed to complete enrollment review."),
+                makeCheck("coverage-month", "Coverage month selected", input.preferredCoverageMonth.trim().length > 0, "error", "Choose a target coverage month."),
+            ];
+            const missingEvidence = evidence.filter((item) => item.status === "missing").length;
+            return {
+                workflowId: "healthcare/aca-enrollment",
+                domain: "healthcare",
+                title: "Healthcare enrollment planner",
+                summary: "Household-centric enrollment planner for marketplace review. PigeonGov does not file coverage applications for you.",
+                applicant: input.applicant,
+                household: input.household,
+                evidence,
+                answers: input,
+                derived: {
+                    householdSize,
+                    monthlyIncome,
+                    coverageTrack: input.qualifyingLifeEvent ? "special-enrollment-review" : "open-enrollment-review",
+                },
+                validation: {
+                    checks,
+                    flaggedFields: flags,
+                },
+                review: buildGenericSummary("Enrollment readiness", missingEvidence === 0 ? "ready for review" : "missing documentation", evidence, flags, [
+                    `Household size: ${householdSize}.`,
+                    `Annual household income: ${currency(input.annualHouseholdIncome)}.`,
+                    `Target effective month: ${input.preferredCoverageMonth}.`,
+                ]),
+                outputArtifacts: genericArtifacts("healthcare-aca-enrollment", evidence),
+                provenance: ["workflow-registry", "healthcare-enrollment-model"],
+            };
+        },
+    },
+};
+//# sourceMappingURL=healthcare.js.map

package/dist/src/workflows/domains/healthcare.js.map

@@ -0,0 +1 @@
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