Add Medicaid LTSS financial eligibility screen (TX, DE, WA)

[MaxGhenis]

Adds an opt-in Medicaid long-term services and supports (LTSS) financial-eligibility screen: an effective-dated 2026 federal chassis with Texas, Delaware, and Washington parameters covering the special income limit routes (300% of SSI in TX/WA; Delaware's 250% route with the $20-disregard mechanics), qualified income trusts, institutional medically-needy budgeting (WA), resource limits, home-equity caps, and spousal impoverishment protections (CSRA floor/half/maximum regimes and MMMNA).

Six new variables (medicaid_ltss_financial_pathway, is_medicaid_ltss_income_eligible, medicaid_ltss_csra_resource_eligible, medicaid_ltss_home_equity_eligible, medicaid_ltss_mmmna, is_medicaid_ltss_financial_threshold_eligible) — deliberately not integrated into is_medicaid_eligible, enrollment/take-up, or Medicaid benefit values. Functional/level-of-care eligibility is out of scope and labeled as such; QIT-adjusted income and countable resources are trusted inputs with the limitation in metadata; unknown HCBS waivers fail closed to unmodeled rather than inheriting statewide rules.

Every parameter value traces to a cited primary source (Texas HHS Appendix XXXI, Delaware's 2026 income-standards notice and LTC regulation, Washington's 2026 standards and WACs) with reference URLs in the YAML metadata; where a state document does not establish a value (e.g., Delaware's numeric home-equity cap), it remains unmodeled rather than inferred.

35 YAML contract tests cover every SIL/resource/home-equity boundary, TX QIT sufficiency both ways, DE's 250% + disregard, WA SIL-failure→institutional-MN, all three CSRA control regimes, an MMMNA non-conversion assertion, home-equity exceptions, identical-household cross-state comparisons, fail-closed unknown-waiver, and vectorized cases.

🤖 Generated with Claude Code

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 100.00%. Comparing base (74f045a) to head (02a7c0b).
⚠️ Report is 6 commits behind head on main.

Additional details and impacted files

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unittests	100.00% <100.00%> (ø)

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