H&R Block is an independent company providing tax calculator services. Blue Cross Blue Shield of Michigan does not warrant or guarantee any vendor services or items and disclaims any liability arising out of, or the results obtained from, or interpretations made as a result of, your use of the tax calculator tool. The H&R Block interactive tax calculator tool and related health care reform information is made available for educational and general informational purposes only. It is not intended to provide any legal, actuarial, tax, accounting, or investment advice. This information is not intended to be used for purposes of avoiding penalties that may be imposed by state or federal tax authorities. The information and tools being made available is based on BCBSM's current understanding of the health care reform laws, collectively referred to as the Patient Protection and Affordable Care Act (PPACA). Although we strive to ensure our information is accurate and useful, you should contact your attorney or other qualified professionals to obtain advice on the impact of this and other reforms on your individual situation and professional assurance that our information, and your interpretation of it, is appropriate to your particular circumstance.