{
  "tool_id": "art-298-aca-affordability-safe-harbor",
  "note": "golden_hash empty until first `node golden-parity.test.mjs --update`.",
  "vectors": [
    {
      "name": "affordable-under-w2-only",
      "policy_parameters": {
        "tax_year": "2026",
        "lowest_cost_self_only_monthly_premium": 90,
        "w2_box1_wages_annual": 12000
      },
      "output_payload": {
        "tax_year": "2026",
        "affordability_pct": 0.0996,
        "lowest_cost_self_only_monthly_premium": 90,
        "harbors": {
          "w2": {
            "computed": true,
            "monthly_max_employee_contribution": 99.59999999999998,
            "affordable": true
          },
          "rate_of_pay": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "fpl": {
            "computed": true,
            "monthly_max_employee_contribution": 129.895,
            "affordable": true
          }
        },
        "satisfies_any_harbor": true,
        "harbors_satisfied": [
          "w2",
          "fpl"
        ],
        "error": null
      },
      "golden_hash": "3cb4330896c6e978d58ebc9f1e429f4fcb061a9ad7d9f4d2a9655b6cd7e0f22c"
    },
    {
      "name": "unaffordable-all-harbors",
      "policy_parameters": {
        "tax_year": "2026",
        "lowest_cost_self_only_monthly_premium": 500,
        "w2_box1_wages_annual": 12000,
        "hourly_rate": 12,
        "fpl_mainland_annual": 15650
      },
      "output_payload": {
        "tax_year": "2026",
        "affordability_pct": 0.0996,
        "lowest_cost_self_only_monthly_premium": 500,
        "harbors": {
          "w2": {
            "computed": true,
            "monthly_max_employee_contribution": 99.59999999999998,
            "affordable": false
          },
          "rate_of_pay": {
            "computed": true,
            "monthly_max_employee_contribution": 155.376,
            "affordable": false
          },
          "fpl": {
            "computed": true,
            "monthly_max_employee_contribution": 129.895,
            "affordable": false
          }
        },
        "satisfies_any_harbor": false,
        "harbors_satisfied": [],
        "error": null
      },
      "golden_hash": "31489e29d20880dfbe64d8c1dc2ea58df7fe29f8b5eb11a27fab7611bd858ab3"
    },
    {
      "name": "rate-of-pay-harbor-only-affordable",
      "policy_parameters": {
        "tax_year": "2026",
        "lowest_cost_self_only_monthly_premium": 100,
        "hourly_rate": 15
      },
      "output_payload": {
        "tax_year": "2026",
        "affordability_pct": 0.0996,
        "lowest_cost_self_only_monthly_premium": 100,
        "harbors": {
          "w2": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "rate_of_pay": {
            "computed": true,
            "monthly_max_employee_contribution": 194.22,
            "affordable": true
          },
          "fpl": {
            "computed": true,
            "monthly_max_employee_contribution": 129.895,
            "affordable": true
          }
        },
        "satisfies_any_harbor": true,
        "harbors_satisfied": [
          "rate_of_pay",
          "fpl"
        ],
        "error": null
      },
      "golden_hash": "5b66f72a4ff73c82d390ef2917d746de795381090398d0749541f545f1070349"
    },
    {
      "name": "missing-premium-parameter-not-supplied",
      "policy_parameters": {
        "tax_year": "2026",
        "w2_box1_wages_annual": 12000
      },
      "output_payload": {
        "tax_year": "2026",
        "affordability_pct": null,
        "harbors": {
          "w2": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "rate_of_pay": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "fpl": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          }
        },
        "satisfies_any_harbor": null,
        "harbors_satisfied": [],
        "error": "missing_lowest_cost_self_only_monthly_premium"
      },
      "golden_hash": "5f8e5df35c263bf8da8e8ffbe668a747361dc96248bd349a2685db9600308bf0"
    },
    {
      "name": "empty-input-finite-gate",
      "policy_parameters": {},
      "output_payload": {
        "tax_year": null,
        "affordability_pct": null,
        "harbors": {
          "w2": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "rate_of_pay": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          },
          "fpl": {
            "computed": false,
            "monthly_max_employee_contribution": null,
            "affordable": null
          }
        },
        "satisfies_any_harbor": null,
        "harbors_satisfied": [],
        "error": "unsupported_or_missing_tax_year"
      },
      "golden_hash": "8fcf653882e8ea9047e5d75b0c1e32c6ab5ee1ea453d99ee0bcd93759ab6fe92"
    }
  ]
}