For AI assistants and developers
Health insurance math as an MCP server
Ask Claude, ChatGPT or another assistant about 2027 marketplace subsidies, Medicaid limits or COBRA and it can answer with the same rules and math as the calculators on this site, each answer with its source. Free, read-only, no key.
Add it to your AI assistant
Server URL (Streamable HTTP, no key, read-only):
https://healthinsurance.help/mcp- Claude (claude.ai and the desktop app)
- Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
- ChatGPT
- Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
- Grok
- grok.com, then Connectors, then New connector, then Custom. Paste the URL.
- Perplexity
- Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
- Mistral Le Chat
- Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.
Claude Code:
claude mcp add --transport http healthinsurance-help https://healthinsurance.help/mcpCursor (~/.cursor/mcp.json) and other clients that read mcpServers:
{
"mcpServers": {
"healthinsurance-help": {
"url": "https://healthinsurance.help/mcp"
}
}
}VS Code (.vscode/mcp.json):
{
"servers": {
"healthinsurance-help": {
"type": "http",
"url": "https://healthinsurance.help/mcp"
}
}
}Gemini CLI (~/.gemini/settings.json):
{
"mcpServers": {
"healthinsurance-help": {
"httpUrl": "https://healthinsurance.help/mcp"
}
}
}Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.
Tools
| Tool | What it returns | Try asking |
|---|---|---|
estimate_premium_tax_credit | A 2027 premium tax credit estimate worked like the subsidy calculator: poverty-line percentage, IRS applicable percentage, expected contribution, county benchmark by age, the credit, net bronze, silver and gold prices, the 400% cliff and a per-person Medicaid and CHIP income screen. | How much would a 45-year-old in Harris County, Texas earning $40,000 get toward a 2027 marketplace plan? |
get_county_plan_prices | Benchmark silver and lowest bronze, silver and gold premiums for a county in a HealthCare.gov state, for a 40-year-old or the ages you give, or a state's range. | What does the cheapest bronze plan cost a couple aged 62 and 60 in Miami-Dade County? |
get_medicaid_chip_limits | A state's Medicaid, CHIP and Basic Health Program limits as a percent of the poverty line and in dollars for a household size, and which ones an income is under. | What is the Medicaid income limit for a family of three in Texas? |
compare_cobra_vs_marketplace | COBRA against a marketplace plan for the months you need: premiums plus expected out-of-pocket costs, with the deductible reset when you switch. | My COBRA is $780 a month for six months; would a marketplace plan in Mecklenburg County cost less? |
estimate_tax_credit_repayment | Form 8962 in miniature for tax year 2026: the credit allowed on final income against the advance payments, and what is repaid with no cap. | I got $4,756 in advance credit but earned $58,000 in Florida. How much do I pay back? |
get_state_marketplace_facts | Where to enroll, 2027 open enrollment dates, Medicaid expansion, any state mandate, state premium help and short-term plan rules for one state. | When does open enrollment for 2027 end in California? |
Discovery file: /.well-known/mcp.json. Every rule and its source: Sources and methods.
License and attribution
The government data is public domain. The compilation is CC BY 4.0: credit "Data: HealthInsurance.help (healthinsurance.help)" with a link. Nothing returned is an eligibility decision, a quote, or tax, legal or insurance advice.
Questions
Is there a cost or an API key?
No. The server is free, read-only and needs no key or sign-in. Please cite the healthinsurance.help page or the government source that comes back with each answer.
Where do the numbers come from?
The same sources as the calculators: IRS Rev. Proc. 2026-26 and 2025-25, the HHS poverty guidelines, CMS's plan-year 2026 county premium file for HealthCare.gov states, MACPAC's Medicaid and CHIP limits with dated state updates, and each exchange's own 2027 dates. Every source is listed on the sources and methods page.
Does it decide whether someone qualifies?
No. Every answer is an estimate from published rules. The marketplace and the IRS decide premium tax credits, and the state Medicaid agency decides Medicaid and CHIP. It names no insurers and recommends no plans.
Questions or a data error: the contact form. Privacy and terms.
Ready to see real 2027 plans?
Apply and compare plans free on HealthCare.gov, or on your state's own exchange if it runs one. We are not affiliated with HealthCare.gov, CMS or any government agency.