HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math
2027 ACA subsidy estimates, Medicaid/CHIP limits, COBRA vs marketplace math.
Should I use this
Quality & Safety
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
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Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"healthinsurance-help": {
"url": "https://healthinsurance.help/mcp"
}
}
}Remote endpoints
https://healthinsurance.help/mcpstreamable-httpWhat it can do
Tool inventory
Tools (6)
🟢estimate_premium_tax_credit(state, annual_income, members, others_in_household, county, ...)
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 bronze, silver and gold plans, the 400% cliff, and a per-person income screen for Medicaid, CHIP or a Basic Health Program. An estimate, not an eligibility decision.
Input Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
},
"annual_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Expected 2027 household income (modified adjusted gross income) in dollars per year."
},
"members": {
"type": "array",
"minItems": 1,
"maxItems": 12,
"description": "Each person applying for coverage, e.g. [{\"age\":45},{\"age\":43,\"pregnant\":true},{\"age\":10}].",
"items": {
"type": "object",
"properties": {
"age": {
"type": "integer",
"minimum": 0,
"maximum": 120
},
"pregnant": {
"type": "boolean"
}
},
"required": [
"age"
],
"additionalProperties": false
}
},
"others_in_household": {
"type": "integer",
"minimum": 0,
"maximum": 12,
"default": 0,
"description": "People on the tax return who are not applying (they count toward household size)."
},
"county": {
"type": "string",
"minLength": 2,
"maxLength": 60,
"description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
},
"benchmark_monthly": {
"type": "number",
"minimum": 1,
"maximum": 50000,
"description": "Optional. The monthly price of the second-lowest-cost silver plan for the people applying, from HealthCare.gov or the state exchange. Replaces the county estimate; required for a credit in states that run their own exchange."
}
},
"required": [
"state",
"annual_income",
"members"
],
"additionalProperties": false
}🟢get_county_plan_prices(state, county, ages)
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 county for the state's range (median, lowest and highest benchmark).
Input Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
},
"county": {
"type": "string",
"minLength": 2,
"maxLength": 60,
"description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
},
"ages": {
"type": "array",
"minItems": 1,
"maxItems": 12,
"items": {
"type": "integer",
"minimum": 0,
"maximum": 120
},
"description": "Optional ages of everyone on the plan, e.g. [62, 60], to price the household instead of one 40-year-old."
}
},
"required": [
"state"
],
"additionalProperties": false
}🟢get_medicaid_chip_limits(state, household_size, annual_income)
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 limits, not an eligibility decision.
Input Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
},
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 12,
"default": 1,
"description": "People in the household, usually everyone on the tax return. A pregnant woman counts as two or more."
},
"annual_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Optional household income per year, to compare with each limit."
}
},
"required": [
"state"
],
"additionalProperties": false
}🟢compare_cobra_vs_marketplace(cobra_monthly, months, expected_care, cobra_deductible, deductible_met, ...)
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 benchmark silver plan after the 2027 credit.
Input Schema
{
"type": "object",
"properties": {
"cobra_monthly": {
"type": "number",
"minimum": 1,
"maximum": 50000,
"description": "COBRA premium per month from the election notice."
},
"months": {
"type": "integer",
"minimum": 1,
"maximum": 36,
"default": 6,
"description": "Months of coverage needed, e.g. until a new job's plan starts."
},
"expected_care": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"default": 0,
"description": "Medical bills expected in that time, before insurance."
},
"cobra_deductible": {
"type": "number",
"minimum": 0,
"maximum": 100000,
"default": 0,
"description": "Deductible of the current (COBRA) plan."
},
"deductible_met": {
"type": "number",
"minimum": 0,
"maximum": 100000,
"default": 0,
"description": "How much of that deductible is already met this year."
},
"marketplace_deductible": {
"type": "number",
"minimum": 0,
"maximum": 100000,
"default": 5000,
"description": "Deductible of the marketplace plan you would pick."
},
"marketplace_monthly": {
"type": "number",
"minimum": 0,
"maximum": 50000,
"description": "Marketplace premium per month after the credit, if known. Otherwise give state, county, ages and annual_income."
},
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
},
"county": {
"type": "string",
"minLength": 2,
"maxLength": 60,
"description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
},
"ages": {
"type": "array",
"minItems": 1,
"maxItems": 12,
"items": {
"type": "integer",
"minimum": 0,
"maximum": 120
},
"description": "Ages of everyone on the plan, for the estimate."
},
"annual_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Household income for the whole year, including what was earned before the job ended, for the estimate."
}
},
"required": [
"cobra_monthly"
],
"additionalProperties": false
}🟢estimate_tax_credit_repayment(state, household_size, annual_income, benchmark_annual, advance_annual, ...)
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.
Input Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
},
"household_size": {
"type": "integer",
"minimum": 1,
"maximum": 12,
"description": "People in the tax household."
},
"annual_income": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "Final 2026 household income (modified AGI) in dollars."
},
"benchmark_annual": {
"type": "number",
"minimum": 1,
"maximum": 1000000,
"description": "Form 1095-A column B (benchmark plan premium), summed for the year."
},
"advance_annual": {
"type": "number",
"minimum": 0,
"maximum": 1000000,
"default": 0,
"description": "Form 1095-A column C (advance payments), summed for the year."
},
"enrolled_premium_annual": {
"type": "number",
"minimum": 0,
"maximum": 1000000,
"description": "Form 1095-A column A (your plan's premiums), summed. Defaults to the benchmark amount."
}
},
"required": [
"state",
"household_size",
"annual_income",
"benchmark_annual"
],
"additionalProperties": false
}🟢get_state_marketplace_facts(state)
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 the regulator published one, and short-term plan rules.
Input Schema
{
"type": "object",
"properties": {
"state": {
"type": "string",
"minLength": 2,
"maxLength": 30,
"description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
}
},
"required": [
"state"
],
"additionalProperties": false
}Community
Evidence