{
      "tool_id": "art-298-aca-affordability-safe-harbor",
      "tool_version": "1.0.0",
      "display_name": "ACA Affordability Safe-Harbor Calculator",
      "mcp_name": "compute_aca_affordability_safe_harbor",
      "mandate_type": "compliance_mandate",
      "wave": 48,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-298-aca-affordability-safe-harbor.html",
      "description": "Compute the ACA employer-mandate affordability percentage under each of the three IRC 4980H(a)(1)(B) safe harbors (W-2 wages, rate-of-pay, federal poverty line) against a supplied lowest-cost self-only monthly premium, using the version-pinned 2026 affordability threshold (9.96%, IRS Rev. Proc. 2025-25). Returns per-harbor affordability verdicts and which harbor(s) the offer satisfies. Root node of the aca-226j-response-composer chain. Not tax or legal advice -- calculation evidence only. Zero network, zero PII.",
      "input_schema_ref": "chaingraph/art-298-aca-affordability-safe-harbor.html#manifest",
      "deadline": null,
      "deadline_note": "2026 ACA affordability threshold rose to 9.96% (IRS Rev. Proc. 2025-25), largest single-year jump since indexing began",
      "consumes": [],
      "feeds": [
        "art-299-aca-esrp-exposure"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:517e7ad37c5723b7df461c5830be597d989342422f3c60cad22e15cdcd8d7695","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-06-28"}],
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "B6fGh0cd/JTuCm3j0AZCiOpR9VYy1svzjss0YMyDcukPEoLoTYZUf9pRZtx6+ep/pbuj/DxnXBA2pQ67ME4WdiTB8J9ZU+v59TGDxYzRkPePm34VS+WMtB70q0x86E0DE5k988FJQMDohn4QqJy7S/YHJzxwKdsp70QchamOYcoGS25lv5xA5F2SDwMbkZYrYDaPcygb3S06a6avigRczCNs9CF6cA8qL8bxO0JwGW54aJkCwdVEcIvJeKKPPLSdCW9Bh019N6aVpbesRGCbxCjkXhNqA2x3a5S5EyLOJbIDDfIFDvF6sYgnc6FrAdDbF0xEMe2sqYz3bL2vCb0dnQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:517e7ad37c5723b7df461c5830be597d989342422f3c60cad22e15cdcd8d7695",
          "output": {
            "affordability_pct": 0.0996,
            "error": null,
            "harbors": {
              "fpl": {
                "affordable": true,
                "computed": true,
                "monthly_max_employee_contribution": 129.895
              },
              "rate_of_pay": {
                "affordable": null,
                "computed": false,
                "monthly_max_employee_contribution": null
              },
              "w2": {
                "affordable": true,
                "computed": true,
                "monthly_max_employee_contribution": 99.59999999999998
              }
            },
            "harbors_satisfied": [
              "w2",
              "fpl"
            ],
            "lowest_cost_self_only_monthly_premium": 90,
            "satisfies_any_harbor": true,
            "tax_year": "2026"
          }
        }
      },
      "export_capability": [
        "json",
        "vc"
      ]
    }