RAF 2026 Calculator — Week‑52 Cumulative

Initializing… Configure cohort context, population exposure, and capability to compute annualized outcomes.

1 Address / ZIP

2 Population

3 Value of AI

Address / ZIP — Cohort Context

One-Line Address

U.S. Census Geocoder (JSONP)

Resolve by ZIP Code

Offline ZIP map first

County: – FIPS: – RAF bench: – Ratebook: – Rate used: – FIPS RAF entries: 0

ℹ RAF benchmark is looked up by FIPS in fips_to_raf.json. PMPM can optionally be auto-filled from the embedded CMS ratebook (if provided), using the selected CMS bonus tier.

RAF Bench Override (optional)

Auto-fill PMPM from ratebook (if available)

Population — Exposure

Historical RAF Scores

RAF 2022

RAF 2023

RAF 2024

PMPM

Lives (avg 2026)

CMS Bonus Tier

Determines which CMS PMPM field is used when auto-filling

CMS revenue uplift: +5% CMS RAF headwind: −0.03 Defaults; adjust only if governance permits.

Governance Overrides

CMS Uplift Override

CMS ΔRAF Override

Capability

Baseline capability (2025) affects saturation. Incremental capability (2026) affects Bloom realization efficiency (η).

Existing Capability in 2025 (Baseline)

Labs used in 2025 Rx used in 2025 Notes used in 2025 Prospective program in 2025 Retrospective standardized in 2025

Incremental Capability in 2026 (Bloom-Enabled)

Labs expanded in 2026 Rx expanded in 2026 Notes expanded in 2026 Prospective strengthened in 2026 Retrospective scaled in 2026

Baseline S: 0.00 Incremental M: 0.00 Leakage floor λ: 0.10

Bloom ON — Enable Bloom realization efficiency (η)

Geo ceiling headroom α:

Capture β:

Defaults: α=0.10, β=0.80

Results — Week‑52 Cumulative (Annualized)

Revenue projections comparing Status Quo vs. Bloom-enabled scenarios.

Scenario A — Status Quo (2026)

–

CMS uplift + geo dynamics + CMS ΔRAF

Scenario B — With Bloom (2026)

–

Status Quo + Bloom (η) uplift

Incremental Value of Bloom

–

With Bloom − Status Quo

Diagnostics — for audit / QA