When you already have a specific plan ID (HIOS), get the full benefit grid in one call.
What to type
Pull the benefit grid for plan 38344TX0010001 for plan year 2026. I want deductible, OOP, copays for primary care, specialist, urgent care, ER, and the prescription drug formulary tier breakdown.
What happens
Sam (Research) calls marketplace_plan_detail with the plan ID and year.
Response includes premium, deductible, OOP max, copays, formulary tier definitions, network type, and the plan's brochure URL.
If you ask "does this plan cover X drug" Sam chains to marketplace_drugs_covered.
Sample output
Plan: Ambetter Balanced Care 21 (HMO)
HIOS: 38344TX0010001 · Year 2026 · Metal Silver
Premium (42yo, non-smoker): $642/mo
Cost-sharing
Deductible (medical): $1,500
OOP max: $9,200
Primary care: $30 copay
Specialist: $60 copay
Urgent care: $75 copay
ER: $750 copay (waived if admitted)
Pharmacy (4-tier)
T1 generic: $5
T2 preferred brand: $50
T3 non-preferred: $100
T4 specialty: 40% coinsurance after deductible
Network: HMO — referrals required for specialists.