Plan: Medicaid COA Phase C — TMA (Transitional Medical Assistance)

// In canopy-tanf determine.rs, after persisting a termination determination:
publisher.publish(
    "tanf.case_closed",
    &serde_json::json!({
        "household_id": ctx.household_id,
        "person_ids": ctx.members.iter().map(|m| m.person_id).collect::<Vec<_>>(),
        "reason": "earnings_increase",  // or "time_limit", "sanction", etc.
        "termination_date": Utc::now().format("%Y-%m-%d").to_string(),
        "had_medicaid_coverage": true,
    }),
).await?;

CREATE TABLE tanf_tma_coverage (
    id              UUID PRIMARY KEY DEFAULT gen_random_uuid(),
    household_id    UUID NOT NULL,
    person_id       UUID NOT NULL,
    tanf_termination_date DATE NOT NULL,
    tma_start_date  DATE NOT NULL,
    tma_end_date    DATE NOT NULL,     -- start + 12 months
    phase           TEXT NOT NULL DEFAULT 'phase_1',  -- 'phase_1' or 'phase_2'
    qrf_due_dates   JSONB NOT NULL DEFAULT '[]',
    status          TEXT NOT NULL DEFAULT 'active',   -- 'active', 'closed', 'expired'
    closure_reason  TEXT,
    created_at      TIMESTAMPTZ NOT NULL DEFAULT now(),
    updated_at      TIMESTAMPTZ NOT NULL DEFAULT now()
);

CREATE INDEX idx_tma_coverage_household ON tanf_tma_coverage (household_id);
CREATE INDEX idx_tma_coverage_person    ON tanf_tma_coverage (person_id);
CREATE INDEX idx_tma_coverage_status    ON tanf_tma_coverage (status) WHERE status = 'active';

pub async fn create_tma_coverage(
    db: &PgPool,
    household_id: Uuid,
    person_id: Uuid,
    tanf_termination_date: NaiveDate,
) -> Result<TmaCoverage, sqlx::Error>;

pub async fn find_active_tma_coverage(
    db: &PgPool,
    person_id: Uuid,
) -> Result<Option<TmaCoverage>, sqlx::Error>;

pub async fn update_tma_coverage_status(
    db: &PgPool,
    id: Uuid,
    status: &str,
    closure_reason: Option<&str>,
) -> Result<(), sqlx::Error>;

/// Whether the applicant had TANF in ≥3 of the prior 6 months (for TMA).
#[serde(default)]
pub had_tanf_in_prior_months: Option<bool>,
/// Date TANF terminated (ISO 8601 date string).
#[serde(default)]
pub tanf_termination_date: Option<String>,

pub had_tanf_in_prior_months: bool,
pub tanf_termination_date: Option<String>,

pub tma_eligible: bool,

{
  "id": "ex-tma",
  "key": "tma_eligible",
  "value": "had_tanf_in_prior_months and tanf_termination_date != null"
}

MedicaidCategory::Tma => {
    if !magi_out.tma_eligible {
        false
    } else {
        // Phase 1 (months 1-6): no income test
        // Phase 2 (months 7-12): income ≤ 205% FPL
        let tma_start = ctx.tanf_termination_date.as_deref()
            .and_then(|d| chrono::NaiveDate::parse_from_str(d, "%Y-%m-%d").ok());
        match tma_start {
            Some(start) => {
                let months_since = crate::tma::months_since(start, Utc::now().date_naive());
                if months_since <= 6 {
                    true // Phase 1: no income test
                } else if months_since <= 12 {
                    // Phase 2: income ≤ 205% FPL
                    let tma_threshold = fpl_100 * Decimal::from(205) / Decimal::from(100);
                    net_magi <= tma_threshold
                } else {
                    false // TMA expired
                }
            }
            None => false,
        }
    }
},

MedicaidCategory::Tma if !ctx.had_tanf_in_prior_months.unwrap_or(false) => "no_prior_tanf_coverage",
MedicaidCategory::Tma => "tma_income_exceeds_205_fpl_in_phase_2",