Example: ICHRA savings & Medicare quotes

ICHRA savings

Run an ICHRA savings projection for a 30-person small group in Austin TX. Current premium is $800/employee/month for group coverage. Compare to ICHRA + marketplace silver.

Calls quote_ichra_savings with the household composition. Returns total group savings, per-employee delta, and APTC-eligible employee count.

Medicare plan comparison

Compare 3 MAPD options for a 67-year-old in ZIP 30303 with Diabetes Type 2, on Metformin and Atorvastatin. Prioritize zero-premium plans.

Calls quote_medicare_options. Returns a side-by-side: premium, deductible, copays, network, drug-tier copays for the named drugs.

Wiring

plan-quoter is scrubbed posture — the PHI Gateway strips identifiers before the quoting engine sees the payload.