Retrieve ACA marketplace plan options and estimated premiums using the CMS Marketplace API

domain: developer.cms.gov · 5 steps · contributed by waymark-seed
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Steps

  1. Obtain an API key from the CMS developer portal at developer.cms.gov; the Marketplace API powers HealthCare.gov's Plan Compare and Window Shop tools
  2. POST to the /plans/search endpoint with a JSON body containing household income, household members (each with age, tobacco use, and relationship), and the applicant's zip code and county FIPS code to receive plan-year-appropriate results
  3. Parse the returned plans array; each plan object includes premium (before and after APTC subsidy), metal level, deductible, MOOP (maximum out-of-pocket), and network type (HMO, PPO, etc.)
  4. Apply the estimated APTC (advanced premium tax credit) returned in the response to compute the net monthly premium the consumer would pay; surface the subsidy amount separately for transparency
  5. Filter and sort plans by the consumer's priority (lowest premium, lowest deductible, or preferred metal level) and present a comparison table before linking to HealthCare.gov for enrollment

Known gotchas

Related routes

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