Add Washington premium assistance (Cascade Care Savings)

changelog.d/wa-premium-assistance.added.md

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+Add Washington Cascade Care Savings (state premium assistance program).

policyengine_us/parameters/gov/states/wa/wahbe/cascade_care_savings/amount/with_federal_subsidy.yaml

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+description: Washington provides this monthly amount per member with federal subsidies under the Cascade Care Savings program.
+values:
+  # Group 1: enrollees receiving federal subsidies (Advance Premium Tax Credit).
+  # PY2026 maximum per-member per-month (PMPM) assistance is $55 (down from $155
+  # in PY2025). There is NO age split; the survey figure of "$30 per child" was
+  # incorrect. Amount set annually by the WAHBE Board within the appropriation.
+  2026-01-01: 55
+
+metadata:
+  unit: currency-USD
+  period: month
+  label: Washington Cascade Care Savings monthly amount per member with federal subsidies
+  reference:
+    - title: WAHBE Plan Year 2026 Final PMPM Methodology (customers with federal subsidies $55 PMPM)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-PMPM-Methodology.pdf#page=1
+    - title: WAHBE Plan Year 2026 Final PMPM Methodology (2025-vs-2026 amount exhibit)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-PMPM-Methodology.pdf#page=7
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 5(1)(b)-(c)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=11

policyengine_us/parameters/gov/states/wa/wahbe/cascade_care_savings/amount/without_federal_subsidy.yaml

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+description: Washington provides this monthly amount per member without federal subsidies under the Cascade Care Savings program.
+values:
+  # Groups 2 and 3: enrollees without federal subsidies (including the Section 1332
+  # waiver population without a federally recognized immigration status). PY2026
+  # maximum per-member per-month (PMPM) assistance is $250 (unchanged from PY2025).
+  # Group 2 (lawfully present but Advance-Premium-Tax-Credit-ineligible) is not
+  # separately identifiable in the model; the modeled without-subsidy population is
+  # Group 3, which uses this same amount. Amount set annually by the WAHBE Board.
+  2026-01-01: 250
+
+metadata:
+  unit: currency-USD
+  period: month
+  label: Washington Cascade Care Savings monthly amount per member without federal subsidies
+  reference:
+    - title: WAHBE Plan Year 2026 Final PMPM Methodology (customers without federal subsidies $250 PMPM)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-PMPM-Methodology.pdf#page=1
+    - title: WAHBE Plan Year 2026 Final PMPM Methodology (2025-vs-2026 amount exhibit)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-PMPM-Methodology.pdf#page=7
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 5(1)(b)-(c)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=11

policyengine_us/parameters/gov/states/wa/wahbe/cascade_care_savings/benchmark_expectation.yaml

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+description: Washington sets this monthly per-member benchmark premium expectation under the Cascade Care Savings program.
+metadata:
+  type: single_amount
+  threshold_unit: /1
+  amount_unit: currency-USD
+  period: month
+  label: Washington Cascade Care Savings monthly benchmark premium expectation by income band
+  reference:
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 5(1)(e)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=11
+    - title: RCW 43.71.110 (Washington state premium assistance)
+      href: https://app.leg.wa.gov/rcw/default.aspx?cite=43.71.110
+
+brackets:
+  # Household income (ACA MAGI as a share of the federal poverty line):
+  # up to 150% FPL -> $0 per eligible member per month.
+  - threshold:
+      2026-01-01: 0
+    amount:
+      2026-01-01: 0
+  # Above 150% and up to 200% FPL -> $10. The benchmark premium expectation is new
+  # for PY2026, so every band is $0 before 2026-01-01.
+  - threshold:
+      2026-01-01: 1.5001
+    amount:
+      0000-01-01: 0
+      2026-01-01: 10
+  # Above 200% FPL (through the 250% eligibility ceiling) -> $15.
+  - threshold:
+      2026-01-01: 2.0001
+    amount:
+      0000-01-01: 0
+      2026-01-01: 15

policyengine_us/parameters/gov/states/wa/wahbe/cascade_care_savings/fpl_limit.yaml

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+description: Washington limits income to this share of the federal poverty line under the Cascade Care Savings program.
+values:
+  # Eligibility caps household income (ACA MAGI per 26 U.S.C. 36B(d)(2)) at 250%
+  # of the federal poverty line, applied as a "<=" comparison ("up to 250%").
+  2026-01-01: 2.5
+
+metadata:
+  unit: /1
+  period: year
+  label: Washington Cascade Care Savings income limit as a share of the federal poverty line
+  reference:
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 4(1)(c)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=8
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 3 definition of Income (26 U.S.C. 36B(d)(2))
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=6

policyengine_us/parameters/gov/states/wa/wahbe/cascade_care_savings/in_effect.yaml

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+description: Washington provides premium assistance when this is true under the Cascade Care Savings program.
+values:
+  # RCW 43.71.110 (established by SB 5377, 2021) is permanent law; the program is
+  # funded through each state Operating Budget ($55M appropriated for PY2026, with
+  # up to $5M reserved and contingent on the Section 1332 waiver for the
+  # non-federally-subsidized population). PY2026 coverage runs Jan 1 - Dec 31, 2026.
+  # No end date: the program has no statutory sunset, so PY2027+ carries the PY2026
+  # design forward as a current-law assumption (WAHBE Board sets amounts annually
+  # within the appropriation).
+  0000-01-01: false
+  2026-01-01: true
+
+metadata:
+  unit: bool
+  period: year
+  label: Washington Cascade Care Savings in effect
+  reference:
+    - title: RCW 43.71.110 (Washington state premium assistance)
+      href: https://app.leg.wa.gov/rcw/default.aspx?cite=43.71.110
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy, Section 1 and Section 2
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=5
+    - title: WAHBE Plan Year 2026 Final PMPM Methodology ($55M appropriation)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-PMPM-Methodology.pdf#page=1
+    - title: WAHBE Plan Year 2026 Final Cascade Care Savings Policy ($5M Section 1332 waiver reserve footnote)
+      href: https://www.wahbexchange.org/content/dam/wahbe-assets/board/2025/PY2026-Final-CCS-Policy.pdf#page=5

policyengine_us/programs.yaml

@@ -1435,6 +1435,17 @@ programs:
     variable: tx_harris_rides_subsidy
     parameter_prefix: gov.local.tx.harris.rides
 
+  - id: wa_cascade_care_savings
+    name: Cascade Care Savings
+    full_name: Washington Cascade Care Savings (State Premium Assistance Program)
+    category: Healthcare
+    agency: WAHBE
+    status: complete
+    coverage: WA
+    variable: wa_cascade_care_savings
+    parameter_prefix: gov.states.wa.wahbe.cascade_care_savings
+    verified_start_year: 2026
+
   # --- Local programs ---
   - id: ez_save
     name: Los Angeles County EZ Save