Guides

Understand the notice before you answer it.

Plain-English explainers built from primary sources. Every figure cites IRS.gov, the statute, or HHS — and where a source is stale, we say so.

The proposed Employer Shared Responsibility Payment: who gets it, what's inside, the 90-day window, and what happens if you don't respond.

How to read the Employee PTC Listing month-by-month: the codes, the highlight rule, and the five checks that shrink an overstated listing.

W-2, rate-of-pay, and federal poverty line safe harbors with the actual formulas, year-by-year percentages, and FPL figures.