What to type

Find ACA plans for a 42-year-old non-smoker in ZIP 75201, household of 2, income $40,000, no dependents.
Show me net premium after subsidy, deductible, and out-of-pocket max for the top 3 silver plans.

What happens

  1. Ambrose routes to Jordan (CRO) with help from Sam (Research).
  2. Sam calls marketplace_county_by_zip for 75201 → Dallas County, TX, FIPS 48113.
  3. Sam calls marketplace_plan_search with the household profile and county FIPS.
  4. The spoke runs the APTC math internally: net_premium = max(0, premium − aptc/12).
  5. Top 3 silver plans are returned with premium, deductible, OOP max, network type, and a link to the carrier's plan brochure.

Sample output

For 42yo, household of 2, income $40,000 in Dallas County, TX:

Estimated APTC: $612/month
You qualify for cost-sharing reductions.

Top 3 Silver plans (sorted by net premium):
1. Ambetter Balanced Care 21 (HMO)
   Premium $642 − APTC $612 = $30/mo net
   Deductible $1,500 · OOP max $9,200 · in-network
2. Blue Advantage Silver HMO 005
   Premium $678 − APTC $612 = $66/mo net
   Deductible $4,000 · OOP max $9,450 · in-network
3. Oscar Silver Saver Network
   Premium $651 − APTC $612 = $39/mo net
   Deductible $4,800 · OOP max $9,450 · narrow network

Useful follow-ups

  • "Filter to plans that cover Atorvastatin and Metformin." → marketplace_drugs_covered.
  • "Filter to plans that include UT Southwestern in-network." → marketplace_providers_covered.
  • "Show me the gold tier instead." → re-runs with metal filter.
  • "Pull the renewal crosswalk for last year's HSA plan." → marketplace_crosswalk.

HIPAA

Marketplace-finder is free posture — only de-identified demographics leave the box (age, ZIP, income tier). No client name, no DOB, no contact info.