/// <summary>
/// Calcualtes the monthly premium assistance.
/// </summary>
/// <param name="state">The state.</param>
/// <param name="year">The year.</param>
/// <param name="rateAreaId">The rate area identifier.</param>
/// <param name="householdSize">Size of the household.</param>
/// <param name="annualHouseholdTaxableIncome">The annual household taxable income.</param>
/// <param name="applicantAge">The applicant age.</param>
/// <param name="familyPercentPovertyLevel">The family percent poverty level.</param>
/// <param name="benchmark">The benchmark.</param>
/// <returns>
/// Monthly premium assistance dollar amount
/// </returns>
public decimal CalcualteMonthlyPremiumAssistance(string state, int year, int rateAreaId, int householdSize, decimal annualHouseholdTaxableIncome, int applicantAge, out decimal familyPercentPovertyLevel, out Benchmark benchmark)
{
benchmark = null;
decimal povertyAmount;
familyPercentPovertyLevel = CalculateFamilyPercentPovertyLevel(state, year, householdSize, annualHouseholdTaxableIncome, out povertyAmount);
return CalcualteMonthlyPremiumAssistance(state, year, rateAreaId, householdSize, annualHouseholdTaxableIncome, applicantAge, familyPercentPovertyLevel, out benchmark);
}
/// <summary>
/// Calcualtes the monthly premium assistance.
/// </summary>
/// <param name="state">The state.</param>
/// <param name="year">The year.</param>
/// <param name="rateAreaId">The rate area identifier.</param>
/// <param name="householdSize">Size of the household.</param>
/// <param name="annualHouseholdTaxableIncome">The annual household taxable income.</param>
/// <param name="applicantAge">The applicant age.</param>
/// <param name="familyPercentPovertyLevel">The family percent poverty level.</param>
/// <param name="benchmark">The benchmark.</param>
/// <returns></returns>
public decimal CalcualteMonthlyPremiumAssistance(string state, int year, int rateAreaId, int householdSize, decimal annualHouseholdTaxableIncome, int applicantAge, decimal familyPercentPovertyLevel, out Benchmark benchmark)
{
benchmark = Repository.Benchmarks.Where(b => b.State == state && b.Year == year && b.Age == applicantAge && b.RateAreaId == rateAreaId).SingleOrDefault();
benchmark = benchmark ?? new Benchmark() { Rate = 0M };
return CalcualteMonthlyPremiumAssistance(state, year, annualHouseholdTaxableIncome, familyPercentPovertyLevel, benchmark);
}
/// <summary>
/// Calcualtes the monthly premium assistance.
/// </summary>
/// <param name="state">The state.</param>
/// <param name="year">The year.</param>
/// <param name="annualHouseholdTaxableIncome">The annual household taxable income.</param>
/// <param name="familyPercentPovertyLevel">The family percent poverty level.</param>
/// <param name="benchmark">The benchmark.</param>
/// <returns>Monthly premium assistance dollar amount</returns>
public decimal CalcualteMonthlyPremiumAssistance(string state, int year, decimal annualHouseholdTaxableIncome, decimal familyPercentPovertyLevel, Benchmark benchmark)
{
var incomeCap = Repository.IncomePercentContributions.Where(i => i.IncomePercentRangeStart <= familyPercentPovertyLevel && familyPercentPovertyLevel < i.IncomePercentRangeEnd).SingleOrDefault();
if (incomeCap == null)
return 0;
var incomeFplRange = (familyPercentPovertyLevel - incomeCap.IncomePercentRangeStart) / (incomeCap.IncomePercentRangeEnd - incomeCap.IncomePercentRangeStart);
var annualFamilyTaxableIncomePercent = incomeCap.InitialPremiumPercent + (incomeFplRange * (incomeCap.FinalPremiumPercent - incomeCap.InitialPremiumPercent));
var annualFamilyTaxableIncomeCap = annualFamilyTaxableIncomePercent * annualHouseholdTaxableIncome / 100;
return benchmark.Rate - (annualFamilyTaxableIncomeCap / 12);
}