When every calculator's figures are rechecked, and the government releases that set the clock.
The next twelve months of rate releases
180 dated source checks across 52 calculators, each with
its own recheck date. 31 of those calculators depend on a government release,
and 4 are due for a recheck in the next 90 days.
Bars show how many calculators reach their recheck date that month. Release months are when each agency
usually publishes, so an early or late release moves the update with it.
Every cost, rate, and rule a calculator uses is stored with two notes beside it: the source it came from,
and the date by which it has to be checked against that source again. That second date is what you see on
this page. It is read straight from the data file each time the page loads, so it can't fall out of step
with what the calculators actually use.
The date is a deadline, not a release date. Most of the figures that move in a single day are set by a
government agency on a predictable calendar. CMS announces the next year's Medicare Part B premium in the
fall, the IRS publishes HSA limits each spring and the ACA subsidy percentage table each summer, and HHS
updates the federal poverty guidelines every January. When one of those releases comes out, the
calculators that depend on it are rechecked right away, even if their scheduled date is months off.
State rules work differently. Minimum liability limits, SR-22 and FR-44 filing rules, no-fault PIP
requirements, and state subsidy programs change when a legislature passes a law, and many of those laws
take effect on January 1 or July 1. Rate changes for FAIR plans, earthquake coverage, and wind pools come
through state insurance department filings with no shared calendar, so we watch those continuously.
Figures that no government sets, like average renters, pet, or wedding insurance premiums, come from
industry studies and insurer data. They change slowly, so they're rechecked once a year. Where a figure
can only be estimated, the calculator says so in its assumptions list, and the estimate is never used as
the headline result.
For more on how figures are sourced in the first place, read our methodology.
If you spot a number that has changed before we've updated it, tell us, or
browse all calculators.
Frequently asked questions
What happens if an agency publishes new figures before the scheduled recheck?
We update when the agency publishes, not when the calendar says. The recheck date is the latest a figure can go unverified, not the earliest it can change. A CMS or IRS release that lands early moves the affected tools to the front of the queue.
Why do some tools get rechecked more often than others?
Figures set by law or an annual federal notice, like Medicare premiums, ACA subsidy percentages, and state minimum liability limits, can change in a single release, so they get a short recheck window. Industry averages, like typical renters or pet insurance premiums, move slowly and are rechecked once a year.
Where do the recheck dates on this page come from?
Every figure in our data file carries a source citation and a recheck date written beside it. This page reads those dates directly, so it always matches the data the calculators actually use. Nothing on this page is typed in by hand.
How do I report a figure I think is out of date?
Use the contact page and include the tool name and the figure you think has changed, plus a link to the new source if you have one. Reports tied to an official government release are checked first.
