Colorado OmniSalud and Washington Cascade Care Savings Group 3 pay $0: the benchmark premium is zero for undocumented members

[MaxGhenis]

Two state programs built for undocumented residents mark the person eligible and then pay nothing, because the benchmark premium they depend on is zero for anyone the federal premium tax credit excludes.

slcsp adds slcsp_age_curve_amount_person and slcsp_family_tier_amount, and slcsp_age_curve_amount_person is defined_for = "pays_aca_premium". pays_aca_premium requires is_aca_ptc_immigration_status_eligible, which is false for an undocumented person. So their slcsp is 0, and:

• co_omnisalud is adds = ["slcsp"], so it is 0.
• wa_cascade_care_savings caps the household amount at slcsp - aca_ptc, so Group 3 (undocumented residents, #9513) is capped at 0.

Reproduction

main at 25380ed, single adult aged 40, tax year 2026. Only immigration_status changes between rows.

State	Earnings	Status	Eligible	slcsp	Member amount	Benefit
CO	10,000	UNDOCUMENTED	co_omnisalud_tax_unit_eligible true	0		co_omnisalud 0
WA	32,000	UNDOCUMENTED	wa_cascade_care_savings_eligible true	0	3,000	wa_cascade_care_savings 0
WA	32,000	CITIZEN	true	7,176.90	660	660

The Washington Group 3 tests pass because they supply slcsp as an input.

Possible fix

Give the benchmark premium a gate that does not depend on federal credit eligibility (age curve, rating area and the no-other-coverage test), and let pays_aca_premium keep the federal status test for the federal credit. Then add one case per program that computes slcsp instead of supplying it.

This interacts with #9506, which adds an income floor to the same gate.

Found while reviewing #9513 and #9506.