{
  "name": "healthinsurance-help",
  "title": "HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math",
  "description": "Free, read-only MCP server that runs the HealthInsurance.help calculators: 2027 ACA premium tax credit estimates (IRS Rev. Proc. 2026-26, HHS poverty guidelines, CMS county benchmark premiums), county benchmark and lowest bronze/silver/gold prices, Medicaid and CHIP income limits by state and household size, COBRA vs marketplace cost comparisons, 2026 premium tax credit repayment (Form 8962, no cap), and each state's 2027 exchange and open enrollment dates. Estimates from published rules only, never an eligibility decision. Every result cites its government source and a healthinsurance.help page. No authentication.",
  "registryDescription": "2027 ACA subsidy estimates, Medicaid/CHIP limits, COBRA vs marketplace math.",
  "version": "1.0.0",
  "url": "https://healthinsurance.help/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://healthinsurance.help/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://healthinsurance.help/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "estimate_premium_tax_credit",
      "title": "Estimate a 2027 marketplace premium tax credit",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "get_county_plan_prices",
      "title": "Benchmark and lowest marketplace prices for a county",
      "description": "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).",
      "readOnly": true
    },
    {
      "name": "get_medicaid_chip_limits",
      "title": "Medicaid and CHIP income limits for a state",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "compare_cobra_vs_marketplace",
      "title": "Compare COBRA with a marketplace plan",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "estimate_tax_credit_repayment",
      "title": "Estimate 2026 premium tax credit repayment (Form 8962)",
      "description": "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.",
      "readOnly": true
    },
    {
      "name": "get_state_marketplace_facts",
      "title": "2027 marketplace facts for a state",
      "description": "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.",
      "readOnly": true
    }
  ],
  "documentation": "https://healthinsurance.help/developers/",
  "websiteUrl": "https://healthinsurance.help/developers/",
  "publisher": {
    "name": "HealthInsurance.help",
    "url": "https://healthinsurance.help/",
    "contact": "hello@healthinsurance.help"
  },
  "privacyPolicy": "https://healthinsurance.help/privacy/",
  "termsOfService": "https://healthinsurance.help/terms/",
  "license": "Government data is public domain; the compilation is CC BY 4.0 (credit \"Data: HealthInsurance.help (healthinsurance.help)\" with a link)",
  "icon": "https://healthinsurance.help/icon-512.png"
}