help.healthinsurance/healthinsurance-help · v1.2026.1101.0 · finance-and-payments
HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math is healthy: it completed an MCP handshake in 1242 ms and exposes 6 tools.
2027 ACA subsidy estimates, Medicaid/CHIP limits, COBRA vs marketplace math.
Endpoint: https://healthinsurance.help/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 6 |
| Latency | 1242 ms |
| Last checked (UTC) | 2026-11-02T01:50:31.441Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-11-02T01:50:31.441Z | Healthy | 1242 |
estimate_premium_tax_credit | Estimates a household's 2027 ACA premium tax credit the way the site's subsidy calculator does: poverty-line percentage, IRS applicable percentage (Rev. Proc. 2026-26), expected monthly contribution, the age-rated benchmark silver premium for the county, the monthly credit, net cost of the lowest br |
get_county_plan_prices | Monthly premiums before any credit from CMS's plan file for a county in a HealthCare.gov state: the benchmark (second-lowest-cost silver) and the lowest bronze, silver and gold plan for a 40-year-old non-smoker, number of insurers and plans, and the same prices age-rated for the ages you give. Omit |
get_medicaid_chip_limits | A state's Medicaid, CHIP and Basic Health Program income limits as a percent of the poverty line and in 2026 dollars per month and per year for a household size, by group (adults, parents, pregnancy, children by age, CHIP). With an income, also says which limits it is under. A screen of published li |
compare_cobra_vs_marketplace | Compares the total cost of staying on COBRA with switching to a marketplace plan for the months you need coverage: premiums plus expected out-of-pocket costs, including the deductible reset when switching mid-year. Give the marketplace premium, or state, county, ages and income to estimate it as the |
estimate_tax_credit_repayment | Form 8962 in miniature for tax year 2026 (returns filed in 2027), for a full year with the same household and plan: the premium tax credit allowed on final income versus the advance payments on Form 1095-A, and the excess to repay (no repayment cap from 2026) or the extra credit to claim. |
get_state_marketplace_facts | For one state: where to enroll (HealthCare.gov or the state exchange, with its URL), 2027 open enrollment start and end dates and the last day for January 1 coverage, Medicaid expansion status, any state coverage mandate and penalty, state premium help programs, the 2027 average rate change where th |