Health Plan Age-in-Years Check Calculator

Q: What’s the difference between ALB, ANB, and Attained Age?

ALB uses last birthday, ANB uses nearest birthday, and Attained Age is commonly the same as age last birthday on the effective date.

Q: When do children age out?

Depends on plan and region. Configure age-out and grace windows such as end-of-month or end-of-year of the age-out birthday.

Q: Do dependent students get extra eligibility?

Many plans extend eligibility by a fixed number of years for students. Use the studentExtension rule to model this.

Q: How are leap-year birthdays handled?

Select Feb-28 or Mar-01 as the anniversary on non-leap years for people born on Feb-29.

Q: Is this legal or benefits advice?

No. This is an educational tool; contracts and regulations control actual eligibility.

Q: Can I bulk-check my whole household?

Yes. Use the Multi/Bulk tab to add rows or upload a CSV, then export results.

Inputs

Date of Birth

Effective Date

Region / Jurisdiction

Plan

Coverage Role

Student Flag

Age Measure

Rounding

Leap‑Year Rule (Feb‑29)

Timezone

Result

Fill inputs and click Calculate.

Dependents / People

Effective Date

Region

Plan

CSV columns: name,dob(YYYY-MM-DD),role[primary|spouse|child|student],student[yes|no]

Name	DOB	Role	Student	Actions

Batch Results

Active Rule Set v1

Edit JSON rules, then click Load Rules. Rules persist in localStorage.

Schema

{
  "regions": {
    "US-ACA": {
      "grace": "endOfMonth",
      "plans": [
        {
          "id": "silver_hmo",
          "name": "Silver HMO",
          "minIssueAge": 18,
          "maxIssueAge": 64,
          "renewalMaxAge": 64,
          "childAgeOut": 26,
          "studentExtension": 0
        }
      ]
    }
  }
}

Notes: minIssueAge/maxIssueAge apply to adults. childAgeOut applies to role child/student. studentExtension adds years for students. grace supports endOfMonth or endOfYear.

Examples & Edge Cases

FAQ

What’s the difference between ALB, ANB, and Attained Age?

ALB is the age on the last birthday (floor in years). ANB is the nearest birthday (round to nearest year). Attained is often interpreted the same as ALB at the effective date.

When do children age out?

It depends on plan and region. This tool lets you configure age‑out (e.g., 26) and grace windows such as “eligible until end of month turning 26.”

Do dependent students get extra eligibility?

Many plans extend eligibility by N years for students. Use studentExtension in the rules to model this behavior.

How are leap‑year birthdays handled?

Choose either a Feb‑28 or Mar‑01 anniversary on non‑leap years for people born on Feb‑29.

Is this legal or benefits advice?

No. This is an educational tool. Plan contracts and regional regulations control actual eligibility.

Can I bulk‑check my whole household?

Yes. Use the Multi/Bulk tab to add rows or upload a CSV, then export results.

Health Plan Age‑in‑Years Check