{
  "name": "aca-marketplace-plans-mcp",
  "title": "HealthMesh · ACA Marketplace Plans MCP",
  "version": "0.1.1",
  "description": "ACA Marketplace (HealthCare.gov / federally facilitated) individual-market medical QHPs for plan year 2026, from a DERIVED compact bundle of CMS's public QHP Landscape and Exchange Public Use Files: plan search by ZIP/county with age-rated premiums for any household, metal level, plan type, deductible and MOOP; plan detail with cost sharing (standard and CSR silver variants) and plan URLs; SLCSP/LCBP benchmark premiums; and an estimate of the premium tax credit (APTC) and CSR level under 2026 rules (Rev. Proc. 2025-25, 2025 HHS poverty guidelines). State-based exchanges (e.g. CA, NY, NJ, PA, GA) are not in the CMS files.",
  "healthmesh_domain": "Health Plans & Benefits",
  "datasets": [
    "PLAN-04",
    "PLAN-05",
    "PLAN-06"
  ],
  "mcp_endpoint": "https://aca-marketplace-plans.healthmesh.ai/mcp",
  "transport": "Streamable HTTP (stateless, JSON responses)",
  "authorization": "none",
  "auth_mode": "off",
  "docs": "https://github.com/HendrikK/healthmesh/tree/main/servers/aca-marketplace-plans-mcp#readme",
  "contact": "hendrik.kleine@gmail.com",
  "data_source": {
    "name": "CMS Exchange PUFs + QHP Landscape PY2026 (derived bundle)",
    "url": "https://www.cms.gov/marketplace/resources/data/public-use-files",
    "license": "Public U.S. Government data; CMS PUF user agreement (derived data labelled as such)",
    "refresh": "Annual (PY2027 files expected ~Oct/Nov 2026; GitHub Actions checks monthly)"
  },
  "tools": [
    {
      "name": "aca_search_plans",
      "title": "Search ACA Marketplace plans by ZIP/county",
      "description": "Lists PY2026 HealthCare.gov individual-market medical QHPs available in a ZIP or county with the household's monthly premium (age-rated from the CMS Rate PUF), premium after an estimated APTC when household_income is given, metal level, plan type, deductible and MOOP. HealthCare.gov states only (30 states); state-based exchanges are not in the CMS files. Derived data; estimate only."
    },
    {
      "name": "aca_get_plan",
      "title": "ACA plan detail",
      "description": "Returns one PY2026 HealthCare.gov QHP: issuer, metal, type, cost sharing (deductibles, MOOP, PCP/specialist/ER/inpatient/drug tiers) for the standard plan and each CSR silver variant (73/87/94%), HSA eligibility, network/brochure/SBC/formulary URLs, customer-service phone, counties served. Values are CMS's text (e.g. '$40 Copay after deductible'). Derived bundle."
    },
    {
      "name": "aca_get_benchmark_premium",
      "title": "SLCSP and lowest-cost bronze premium",
      "description": "Computes the second-lowest-cost silver plan (SLCSP, the APTC benchmark) and lowest-cost bronze plan (LCBP) monthly premium for a household's ages in a ZIP/county, plus the SLCSP's EHB portion. Derived from the CMS Rate PUF; HealthCare.gov's own figure can differ (pediatric-dental EHB allocation, plan exclusions)."
    },
    {
      "name": "aca_estimate_subsidy",
      "title": "Estimate APTC and CSR (2026 rules)",
      "description": "Estimates the monthly premium tax credit (APTC), CSR level and likely Medicaid/CHIP eligibility for a household in a HealthCare.gov ZIP/county, using the SLCSP computed from the CMS Rate PUF, 2025 HHS poverty guidelines and the 2026 applicable-percentage table (enhanced credits expired after 2025: no APTC above 400% FPL). Estimate only; not the Marketplace's eligibility determination."
    },
    {
      "name": "aca_check_drug_coverage",
      "title": "Check drug coverage (links only)",
      "description": "PARTIAL: returns each plan's issuer formulary URL. Tier/PA/ST/QL lookup is not available: issuer QHP drugs.json files are tens to hundreds of MB each (too large for this server) and the HealthCare.gov Marketplace API requires a CMS developer key that is not configured."
    },
    {
      "name": "aca_check_provider_in_network",
      "title": "Check provider network (links only)",
      "description": "PARTIAL: returns each plan's provider network URL. NPI-level lookup is not available: issuer QHP providers.json files are very large and the Marketplace API requires a CMS developer key that is not configured."
    },
    {
      "name": "aca_describe_dataset",
      "title": "Describe the ACA plan data",
      "description": "Explains the bundled derived data (CMS PY2026 QHP Landscape + Rate/Plan Attributes/Service Area PUFs, Census ZCTA-county file), counts, covered states, subsidy parameters and caveats."
    }
  ]
}