{
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    "title": "Healthcare.gov Plan Scraper — ACA Marketplace Quotes & Benefits",
    "description": "Extract Healthcare.gov ACA health insurance marketplace plans, monthly premiums, estimated subsidies, deductibles, out-of-pocket maximums, and benefit cost-sharings.",
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  "components": {
    "schemas": {
      "inputSchema": {
        "type": "object",
        "properties": {
          "mode": {
            "title": "Extraction mode",
            "enum": [
              "search",
              "plan_ids",
              "counties"
            ],
            "type": "string",
            "description": "Choose 'search' to find marketplace plans by ZIP code, 'plan_ids' to lookup full details for specific plan IDs, or 'counties' to find valid counties for a ZIP code.",
            "default": "search"
          },
          "zipCode": {
            "title": "ZIP Code",
            "maxLength": 5,
            "type": "string",
            "description": "5-digit US ZIP code to search for ACA marketplace plans (e.g. 33101 for Miami, FL, 75001 for Dallas, TX). Must be in a Federally Facilitated Marketplace (FFM) state.",
            "default": "33101"
          },
          "countyFips": {
            "title": "County FIPS (optional)",
            "maxLength": 5,
            "type": "string",
            "description": "5-digit county FIPS code (e.g. '12086'). Optional; if left blank, the scraper automatically discovers the county for the given ZIP code.",
            "default": ""
          },
          "planIds": {
            "title": "Plan IDs",
            "type": "array",
            "description": "Specific 14-digit Qualified Health Plan (QHP) IDs to look up when mode is 'plan_ids' (e.g. ['21525FL0020004']). Ignored in 'search' mode.",
            "items": {
              "type": "string"
            },
            "default": []
          },
          "year": {
            "title": "Coverage year",
            "minimum": 2024,
            "maximum": 2030,
            "type": "integer",
            "description": "Marketplace plan year to query. Default is 2026.",
            "default": 2026
          },
          "division": {
            "title": "Plan category",
            "enum": [
              "HealthCare",
              "Dental"
            ],
            "type": "string",
            "description": "Choose 'HealthCare' for major medical health plans or 'Dental' for standalone dental plans.",
            "default": "HealthCare"
          },
          "income": {
            "title": "Annual household income ($)",
            "minimum": -1,
            "maximum": 10000000,
            "type": "number",
            "description": "Annual household income in USD used to calculate Advance Premium Tax Credits (APTC subsidies). Set -1 for unsubsidized full-price quotes.",
            "default": 35000
          },
          "age": {
            "title": "Applicant age",
            "minimum": 0,
            "maximum": 120,
            "type": "integer",
            "description": "Age of the primary applicant (0 to 120). Determines baseline age-banded premium rates.",
            "default": 30
          },
          "gender": {
            "title": "Gender",
            "enum": [
              "Female",
              "Male"
            ],
            "type": "string",
            "description": "Applicant gender for marketplace demographic rating.",
            "default": "Female"
          },
          "usesTobacco": {
            "title": "Tobacco user",
            "type": "boolean",
            "description": "Whether the applicant uses tobacco products. Tobacco use may adjust premiums where permitted.",
            "default": false
          },
          "aptcEligible": {
            "title": "Tax credit (APTC) eligible",
            "type": "boolean",
            "description": "Whether the applicant is eligible for premium tax credit subsidies. When true with income specified, returns estimated net premium after subsidy.",
            "default": true
          },
          "metalLevels": {
            "title": "Metal levels filter",
            "type": "array",
            "description": "Optional filter by metal tier: 'Catastrophic', 'Bronze', 'Expanded Bronze', 'Silver', 'Gold', 'Platinum' (or 'Low', 'High' for Dental). Leave empty for all tiers.",
            "items": {
              "type": "string"
            },
            "default": []
          },
          "planTypes": {
            "title": "Plan types filter",
            "type": "array",
            "description": "Optional filter by plan network type: 'HMO', 'PPO', 'EPO', 'POS'. Leave empty for all plan types.",
            "items": {
              "type": "string"
            },
            "default": []
          },
          "issuers": {
            "title": "Carrier / Issuer filter",
            "type": "array",
            "description": "Optional case-insensitive carrier name or issuer ID filter (e.g. ['Oscar', 'Blue Cross', 'Ambetter', 'Aetna', 'UnitedHealthcare']).",
            "items": {
              "type": "string"
            },
            "default": []
          },
          "hsaEligibleOnly": {
            "title": "HSA eligible plans only",
            "type": "boolean",
            "description": "When true, filters results to only Health Savings Account (HSA) eligible plans.",
            "default": false
          },
          "sortBy": {
            "title": "Sort by",
            "enum": [
              "premium",
              "deductible",
              "oopc"
            ],
            "type": "string",
            "description": "Sort plans by monthly premium, deductible, or total out-of-pocket cost (oopc).",
            "default": "premium"
          },
          "sortOrder": {
            "title": "Sort order",
            "enum": [
              "asc",
              "desc"
            ],
            "type": "string",
            "description": "Ascending ('asc') or descending ('desc').",
            "default": "asc"
          },
          "maxItems": {
            "title": "Maximum records",
            "minimum": 1,
            "maximum": 500,
            "type": "integer",
            "description": "Maximum plan records written to the dataset. Also bounds Pay-Per-Event billing charges. Set 1 to 500.",
            "default": 20
          },
          "fetchFullDetails": {
            "title": "Fetch full SBC details",
            "type": "boolean",
            "description": "When true in search mode, fetches individual plan details endpoint for each plan to retrieve full Summary of Benefits and Coverage (SBC) scenarios (having a baby, diabetes care, simple fracture) and exclusions.",
            "default": false
          }
        }
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