Devkrest Engineering is the team that builds and maintains QualityQuotes. The same engineers who ship the free quoting tool also build private ACA, EDE, Medicare, and ICHRA platforms for agencies and insurtechs that outgrow the shared product.
Field notes on this site are written by engineers and product leads who work on subsidy math, CMS plan ingest, and broker workflow every week. When a post cites a number, it traces to an IRS, CMS, or HHS source documented on the methodology page.
The team does not sell broker or client data. Calculations run on QualityQuotes infrastructure. Client household data does not get sent to third party language models for plan recommendations.
Key Takeaways
- Field notes are written by the Devkrest engineering team that ships QualityQuotes.
- Subsidy math and plan data trace to IRS, CMS, and HHS sources on the methodology page.
- Client household data is processed within QualityQuotes infrastructure.
- Agencies that outgrow the shared product hire Devkrest for private builds on their domain.
What this team works on
- CMS Marketplace plan ingest, rating area logic, and mid year carrier exit handling
- APTC, CSR, and SLCSP calculators tied to published IRS and HHS tables
- PDF export, plan ranker, and broker workflow insideQualityQuotes
- Private ACA and EDE platforms for agencies past 50 agents and insurtech call centers
The public methodology page documents every formula and refresh cadence: QualityQuotes methodology. Company context lives on about QualityQuotes. Paid engineering work is scoped on work with Devkrest.
Recent field notes
- ACA broker anti-rebating rules: what counts as a rebate and where the line sits · 9 JUL 2026 • 9 MINS READ
- ACA open enrollment calendar 2026-2027: dates, deadlines, and broker prep timeline · 9 JUL 2026 • 10 MINS READ
- ACA preventive care at $0 cost-sharing: what Section 2713 covers and the in-network rule brokers miss · 9 JUL 2026 • 10 MINS READ
- ACA Summary of Benefits and Coverage: how brokers use the SBC in plan comparison · 8 JUL 2026 • 9 MINS READ
- ACA navigator vs licensed broker: enrollment roles, legal authority, and what clients actually need · 8 JUL 2026 • 9 MINS READ
- Hospital indemnity and critical illness plans alongside ACA Marketplace coverage: a broker's guide · 8 JUL 2026 • 10 MINS READ
- ACA guaranteed issue and pre-existing condition protections: what brokers and clients need to know · 7 JUL 2026 • 9 MINS READ
- ACA carrier market exit: the broker re-enrollment workflow when an insurer withdraws · 7 JUL 2026 • 10 MINS READ
- ACA Marketplace coverage for immigrant clients: eligibility rules every broker needs to know · 7 JUL 2026 • 10 MINS READ
- Multi-state ACA broker registration: FFM, SBE states, and the licensing gap agencies hit before AEP · 6 JUL 2026 • 9 MINS READ
- ACA exceptional circumstances SEP: what CMS authorizes outside the standard list · 6 JUL 2026 • 10 MINS READ
- ACA MAGI income types: what counts toward your subsidy and what does not · 6 JUL 2026 • 11 MINS READ
- ACA Marketplace eligibility appeals: the broker workflow when APTC is denied or reduced · 5 JUL 2026 • 10 MINS READ
- Domestic partners and ACA coverage: how subsidy rules differ from marriage · 5 JUL 2026 • 9 MINS READ
- ACA mental health parity: what Marketplace plans must cover for behavioral health · 5 JUL 2026 • 10 MINS READ
- ACA broker E&O insurance: what it covers, what it does not, and the intake documentation gap · 4 JUL 2026 • 10 MINS READ
- When Marketplace clients get a new job: the coverage transition brokers handle wrong · 4 JUL 2026 • 10 MINS READ
- ACA minimum essential coverage: what counts, what does not, and why the distinction still matters · 4 JUL 2026 • 9 MINS READ
- ACA household size for subsidies: how the tax household rule works · 3 JUL 2026 • 9 MINS READ
- When does ACA Marketplace coverage start: effective date rules for OEP and SEP · 3 JUL 2026 • 10 MINS READ
- Provider network verification before ACA enrollment: the broker checklist · 3 JUL 2026 • 10 MINS READ
- ACA dental and vision coverage: what the Marketplace covers for adults vs. children · 2 JUL 2026 • 8 MINS READ
- Zero-premium ACA plans: what the $0 label means and the Silver CSR trap brokers need to explain · 2 JUL 2026 • 8 MINS READ
- ACA Marketplace and Medicare coordination: the transition rules brokers need before clients turn 65 · 2 JUL 2026 • 9 MINS READ
- ACA auto-renewal risks: what happens when clients do nothing at OEP · 1 JUL 2026 • 9 MINS READ
- ACA catastrophic health plans: who qualifies, how they work, and when to recommend one · 1 JUL 2026 • 8 MINS READ
- ACA tobacco surcharge: how the 1.5x rating rule works and which states opt out · 1 JUL 2026 • 9 MINS READ
- ACA age rating bands: how the 3-to-1 ratio works and what it means at 55 to 64 · 30 JUN 2026 • 9 MINS READ
- Prior authorization in ACA plans: what brokers need to explain before enrollment · 30 JUN 2026 • 10 MINS READ
- ACA SEP documentation requirements: what CMS accepts for each qualifying event · 30 JUN 2026 • 10 MINS READ
- ACA pregnancy and maternity SEP: what actually triggers enrollment and when · 29 JUN 2026 • 7 MINS READ
- ACA loss of Medicaid SEP: the Medicaid-to-Marketplace transition brokers handle wrong · 29 JUN 2026 • 8 MINS READ
- ACA cost sharing: how deductibles, copays, and coinsurance stack in sequence · 29 JUN 2026 • 9 MINS READ
- Embedded vs aggregate deductible: what ACA brokers need to explain before enrollment · 28 JUN 2026 • 9 MINS READ
- ACA formulary and drug tiers: a broker's checklist before recommending a plan · 28 JUN 2026 • 10 MINS READ
- QSEHRA for small employers: what ACA brokers need to know before setting the contribution · 28 JUN 2026 • 10 MINS READ
- ACA Gold plan vs Bronze: the break-even math brokers should run on every enrollment · 27 JUN 2026 • 10 MINS READ
- ACA out-of-pocket maximum: what it covers, what it does not, and how Silver CSR changes it · 27 JUN 2026 • 9 MINS READ
- ACA income inconsistency notice: what brokers do when the Marketplace disputes the APTC · 27 JUN 2026 • 9 MINS READ
- APTC repayment caps: how much clients owe when income exceeds the projection · 26 JUN 2026 • 9 MINS READ
- ACA agent of record transfer: how to take over a client and redirect commission · 26 JUN 2026 • 10 MINS READ
- ACA Silver plan CSR tiers: the 73%, 87%, and 94% actuarial value explained · 26 JUN 2026 • 9 MINS READ
- ACA employer coverage affordability test: when employer plans block the subsidy · 25 JUN 2026 • 9 MINS READ
- ACA commission chargebacks: causes and a prevention checklist for brokers · 25 JUN 2026 • 9 MINS READ
- Income change mid-year: how brokers help clients update APTC and avoid reconciliation · 24 JUN 2026 • 9 MINS READ
- ACA carrier appointments: how the process works and where agencies get stuck · 24 JUN 2026 • 10 MINS READ
- What is MAGI for ACA: how modified adjusted gross income works for Marketplace subsidies · 24 JUN 2026 • 9 MINS READ
- White-label ACA quoting for agencies and insurtechs: what it costs, what you get, and when it makes sense · 23 JUN 2026 • 10 MINS READ
- ACA quote-to-enrollment: the broker workflow from first call to effectuated coverage · 23 JUN 2026 • 9 MINS READ
- What is the federal poverty level and how does it affect your ACA subsidy? · 23 JUN 2026 • 9 MINS READ
- Cheapest ACA plans by state in 2026: how to find the lowest-cost coverage in your rating area · 22 JUN 2026 • 9 MINS READ
- ACA broker SEO 101: how to get found locally in 2026 · 22 JUN 2026 • 9 MINS READ
- ACA quoting in 2027: what brokers should watch now · 22 JUN 2026 • 9 MINS READ
- SLCSP, APTC, CSR: the three ACA acronyms every broker must master · 21 JUN 2026 • 9 MINS READ
- How insurtechs use ACA APIs: quoting layer, enrollment layer, and what to build · 21 JUN 2026 • 10 MINS READ
- ACA enrollment numbers 2025 vs 2026: what brokers should notice · 19 JUN 2026 • 9 MINS READ
- The ACA subsidy cliff: how it changed and what to tell clients now · 19 JUN 2026 • 9 MINS READ
- Call center playbook for ACA selling · 19 JUN 2026 • 10 MINS READ
- ACA Marketplace plans for early retirees: the 55 to 64 window · 18 JUN 2026 • 9 MINS READ
- CMS plan year 2026 rule changes: a broker summary · 18 JUN 2026 • 9 MINS READ
- Building an ACA broker brand on LinkedIn: what actually moves the needle · 18 JUN 2026 • 9 MINS READ
- How to switch ACA plans mid-year · 17 JUN 2026 • 9 MINS READ
- NPN vs EDE certification: what ACA brokers actually need · 17 JUN 2026 • 9 MINS READ
- Lead generation for ACA brokers: what actually works in 2026 · 17 JUN 2026 • 10 MINS READ
- Should your agency build its own ACA quoting tool? · 16 JUN 2026 • 10 MINS READ
- Data security for independent insurance agents: a practical checklist · 16 JUN 2026 • 9 MINS READ
- Lost your job? ACA Marketplace enrollment and the 60-day SEP window · 16 JUN 2026 • 9 MINS READ
- Married or divorced: how it changes your ACA subsidy · 15 JUN 2026 • 9 MINS READ
- What the No Surprises Act actually does · 15 JUN 2026 • 9 MINS READ
- AEP postmortem template: track what worked before January starts · 15 JUN 2026 • 9 MINS READ
- Do I qualify for an ACA subsidy? 2026 income limits and eligibility · 14 JUN 2026 • 9 MINS READ
- HIPAA for independent insurance agents: what the rules actually require · 14 JUN 2026 • 9 MINS READ
- How to scale an ACA agency from 1 to 10 agents before AEP · 14 JUN 2026 • 10 MINS READ
- Short-term health plans vs ACA Marketplace: what brokers need to know · 13 JUN 2026 • 9 MINS READ
- Turning 26 and losing parent's coverage: the SEP brokers need a process for · 13 JUN 2026 • 9 MINS READ
- ACA grace period: what brokers need to tell APTC clients before they miss a payment · 13 JUN 2026 • 9 MINS READ
- The ACA coverage gap: what brokers in non-expansion states need to know · 12 JUN 2026 • 9 MINS READ
- ACA Marketplace enrollment for self-employed and 1099 clients: the income conversation · 12 JUN 2026 • 10 MINS READ
- HSA and ACA Marketplace plans: what brokers need to know · 12 JUN 2026 • 9 MINS READ
- PDF exports don't leave your laptop · 11 JUN 2026 • 6 MINS READ
- COBRA vs Marketplace: the comparison ACA brokers run every week · 11 JUN 2026 • 10 MINS READ
- Essential health benefits: what every ACA plan must cover · 11 JUN 2026 • 8 MINS READ
- The annual client review: how ACA brokers protect their book of business · 11 JUN 2026 • 10 MINS READ
- ACA network types: HMO, PPO, EPO, and POS explained · 10 JUN 2026 • 9 MINS READ
- How to onboard a new ACA client: the intake conversation that saves calls later · 10 JUN 2026 • 10 MINS READ
- Form 1095-A and Form 8962: what ACA brokers need to know at tax time · 10 JUN 2026 • 9 MINS READ
- ACA metal tiers explained: Bronze, Silver, Gold, Platinum · 9 JUN 2026 • 9 MINS READ
- How ACA brokers build a referral pipeline · 9 JUN 2026 • 10 MINS READ
- State-based exchanges vs Healthcare.gov: what ACA brokers need to know · 9 JUN 2026 • 9 MINS READ
- Best free ACA quoting tools 2026 (we ranked 8) · 8 JUN 2026 • 11 MINS READ
- Cheapest ACA quoting software in 2026 · 8 JUN 2026 • 10 MINS READ
- Replacing legacy Connecture workflows: a broker migration guide · 8 JUN 2026 • 10 MINS READ
- Inshura review: when it is right, when it is not · 8 JUN 2026 • 9 MINS READ
- GetInsured AgentExpress vs QualityQuotes · 8 JUN 2026 • 9 MINS READ
- AgencyBloc Quote+ for small group vs QualityQuotes for ACA · 8 JUN 2026 • 9 MINS READ
- Client follow-up cadences that do not feel spammy · 7 JUN 2026 • 8 MINS READ
- Bulk renewals during OEP: script and process included · 7 JUN 2026 • 10 MINS READ
- Setting up a multi-agent ACA agency: tech stack from scratch · 7 JUN 2026 • 10 MINS READ
- AEP burnout: a tactical guide for solo agents · 7 JUN 2026 • 9 MINS READ
- Branded client PDFs: 7 things that turn a quote into a yes · 7 JUN 2026 • 7 MINS READ
- 5 quoting workflows that waste 10 hours a week · 7 JUN 2026 • 9 MINS READ
- How to quote an ACA plan in 60 seconds · 7 JUN 2026 • 8 MINS READ
- How brokers handle SEP qualifying life events · 6 JUN 2026 • 10 MINS READ
- ICHRA explained for brokers · 6 JUN 2026 • 9 MINS READ
- On Marketplace vs off Marketplace plans: when to quote each · 5 JUN 2026 • 10 MINS READ
- How to read a CMS Marketplace plan ID · 4 JUN 2026 • 9 MINS READ
- What is EDE certification and is it worth it for solo agents? · 4 JUN 2026 • 10 MINS READ
- AEP 2026 prep checklist for brokers · 3 JUN 2026 • 11 MINS READ
- How ACA broker commissions work in 2026 · 3 JUN 2026 • 10 MINS READ
- APTC vs CSR: what brokers must know · 2 JUN 2026 • 8 MINS READ
- What is SLCSP and how is it calculated · 1 JUN 2026 • 7 MINS READ
- Why most 'free' ACA tools aren't actually free · 29 MAY 2026 • 12 MINS READ
Affiliation
Devkrest Engineering is part of Devkrest, the custom software engineering firm behind QualityQuotes. The product site is getqualityquotes.com.
