HealthInsurance.help MCP

An MCP server providing free, read-only access to 2027 ACA subsidy estimates, Medicaid/CHIP income limits, COBRA vs marketplace cost comparisons, and tax credit repayment calculations based on IRS, CMS, and state data.

Visit HealthInsurance.help

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by HealthInsurance.help

MCP endpoint (Streamable HTTP)

https://healthinsurance.help/mcp

Vendor documentation

What you can do with it

Estimate 2027 premium tax credits for marketplace plans
Check Medicaid and CHIP income limits by state and household size
Compare COBRA costs against marketplace plan premiums
Calculate potential tax credit repayment for 2026 coverage

Source and maintenance

Vendor evidenceRegistry 1.2026.1101.0

mcp-registry: help.healthinsurance/healthinsurance-help@1.2026.1101.0 Project website

Protocol and capabilities

Server: healthinsurance-help 1.0.0
MCP protocol: 2025-06-18
Tools: 6 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

HealthInsurance.help (healthinsurance.help) answers US health insurance cost questions with the same math as its calculators: 2027 ACA premium tax credit estimates, county benchmark and lowest bronze/silver/gold premiums, Medicaid and CHIP income limits by state and household size, COBRA vs marketplace cost comparisons, 2026 premium tax credit repayment (Form 8962), and each state's 2027 exchange, open enrollment dates and state programs. Rules: IRS Rev. Proc. 2026-26 (2027) and 2025-25 (2026) applicable percentages, HHS poverty guidelines, the 400% income limit, no repayment cap from tax year 2026. County premiums are CMS QHP Landscape plan year 2026 prices for the 30 HealthCare.gov states (2027 prices not yet in the file); states with their own exchange have no county prices here. Medicaid and CHIP limits are MACPAC MACStats (data July 2025) with dated state updates. Exchange facts as of October 24, 2026. Every result is an estimate from published rules, not an eligibility determination, a quote, or tax, legal or insurance advice. The marketplace and the IRS decide credits; the state Medicaid agency decides Medicaid and CHIP. The site names no carriers and recommends no plans; apply at HealthCare.gov or the state exchange named in each result. Cite the source links that come back. Sources and methods: https://healthinsurance.help/methodology/

Tools

6 advertised

estimate_premium_tax_credit — Estimate a 2027 marketplace premium tax credit

Advertised by the server during the last successful anonymous check.

Advertised read-only

Estimates a household's 2027 ACA premium tax credit the way the site's subsidy calculator does: poverty-line percentage, IRS applicable percentage (Rev. Proc. 2026-26), expected monthly contribution, the age-rated benchmark silver premium for the county, the monthly credit, net cost of the lowest bronze, silver and gold plans, the 400% cliff, and a per-person income screen for Medicaid, CHIP or a Basic Health Program. An estimate, not an eligibility decision.

estimate_premium_tax_credit input schema

{
  "type": "object",
  "required": [
    "state",
    "annual_income",
    "members"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    },
    "county": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
    },
    "members": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "age"
        ],
        "properties": {
          "age": {
            "type": "integer",
            "maximum": 120,
            "minimum": 0
          },
          "pregnant": {
            "type": "boolean"
          }
        },
        "additionalProperties": false
      },
      "maxItems": 12,
      "minItems": 1,
      "description": "Each person applying for coverage, e.g. [{\"age\":45},{\"age\":43,\"pregnant\":true},{\"age\":10}]."
    },
    "annual_income": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Expected 2027 household income (modified adjusted gross income) in dollars per year."
    },
    "benchmark_monthly": {
      "type": "number",
      "maximum": 50000,
      "minimum": 1,
      "description": "Optional. The monthly price of the second-lowest-cost silver plan for the people applying, from HealthCare.gov or the state exchange. Replaces the county estimate; required for a credit in states that run their own exchange."
    },
    "others_in_household": {
      "type": "integer",
      "default": 0,
      "maximum": 12,
      "minimum": 0,
      "description": "People on the tax return who are not applying (they count toward household size)."
    }
  },
  "additionalProperties": false
}

estimate_premium_tax_credit annotations

{
  "title": "Estimate a 2027 marketplace premium tax credit",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_county_plan_prices — Benchmark and lowest marketplace prices for a county

Advertised by the server during the last successful anonymous check.

Advertised read-only

Monthly premiums before any credit from CMS's plan file for a county in a HealthCare.gov state: the benchmark (second-lowest-cost silver) and the lowest bronze, silver and gold plan for a 40-year-old non-smoker, number of insurers and plans, and the same prices age-rated for the ages you give. Omit county for the state's range (median, lowest and highest benchmark).

get_county_plan_prices input schema

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "ages": {
      "type": "array",
      "items": {
        "type": "integer",
        "maximum": 120,
        "minimum": 0
      },
      "maxItems": 12,
      "minItems": 1,
      "description": "Optional ages of everyone on the plan, e.g. [62, 60], to price the household instead of one 40-year-old."
    },
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    },
    "county": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
    }
  },
  "additionalProperties": false
}

get_county_plan_prices annotations

{
  "title": "Benchmark and lowest marketplace prices for a county",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_medicaid_chip_limits — Medicaid and CHIP income limits for a state

Advertised by the server during the last successful anonymous check.

Advertised read-only

A state's Medicaid, CHIP and Basic Health Program income limits as a percent of the poverty line and in 2026 dollars per month and per year for a household size, by group (adults, parents, pregnancy, children by age, CHIP). With an income, also says which limits it is under. A screen of published limits, not an eligibility decision.

get_medicaid_chip_limits input schema

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    },
    "annual_income": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Optional household income per year, to compare with each limit."
    },
    "household_size": {
      "type": "integer",
      "default": 1,
      "maximum": 12,
      "minimum": 1,
      "description": "People in the household, usually everyone on the tax return. A pregnant woman counts as two or more."
    }
  },
  "additionalProperties": false
}

get_medicaid_chip_limits annotations

{
  "title": "Medicaid and CHIP income limits for a state",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

compare_cobra_vs_marketplace — Compare COBRA with a marketplace plan

Advertised by the server during the last successful anonymous check.

Advertised read-only

Compares the total cost of staying on COBRA with switching to a marketplace plan for the months you need coverage: premiums plus expected out-of-pocket costs, including the deductible reset when switching mid-year. Give the marketplace premium, or state, county, ages and income to estimate it as the benchmark silver plan after the 2027 credit.

compare_cobra_vs_marketplace input schema

{
  "type": "object",
  "required": [
    "cobra_monthly"
  ],
  "properties": {
    "ages": {
      "type": "array",
      "items": {
        "type": "integer",
        "maximum": 120,
        "minimum": 0
      },
      "maxItems": 12,
      "minItems": 1,
      "description": "Ages of everyone on the plan, for the estimate."
    },
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    },
    "county": {
      "type": "string",
      "maxLength": 60,
      "minLength": 2,
      "description": "County name (e.g. \"Harris\" or \"Harris County\") or 5-digit county FIPS code."
    },
    "months": {
      "type": "integer",
      "default": 6,
      "maximum": 36,
      "minimum": 1,
      "description": "Months of coverage needed, e.g. until a new job's plan starts."
    },
    "annual_income": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Household income for the whole year, including what was earned before the job ended, for the estimate."
    },
    "cobra_monthly": {
      "type": "number",
      "maximum": 50000,
      "minimum": 1,
      "description": "COBRA premium per month from the election notice."
    },
    "expected_care": {
      "type": "number",
      "default": 0,
      "maximum": 10000000,
      "minimum": 0,
      "description": "Medical bills expected in that time, before insurance."
    },
    "deductible_met": {
      "type": "number",
      "default": 0,
      "maximum": 100000,
      "minimum": 0,
      "description": "How much of that deductible is already met this year."
    },
    "cobra_deductible": {
      "type": "number",
      "default": 0,
      "maximum": 100000,
      "minimum": 0,
      "description": "Deductible of the current (COBRA) plan."
    },
    "marketplace_monthly": {
      "type": "number",
      "maximum": 50000,
      "minimum": 0,
      "description": "Marketplace premium per month after the credit, if known. Otherwise give state, county, ages and annual_income."
    },
    "marketplace_deductible": {
      "type": "number",
      "default": 5000,
      "maximum": 100000,
      "minimum": 0,
      "description": "Deductible of the marketplace plan you would pick."
    }
  },
  "additionalProperties": false
}

compare_cobra_vs_marketplace annotations

{
  "title": "Compare COBRA with a marketplace plan",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

estimate_tax_credit_repayment — Estimate 2026 premium tax credit repayment (Form 8962)

Advertised by the server during the last successful anonymous check.

Advertised read-only

Form 8962 in miniature for tax year 2026 (returns filed in 2027), for a full year with the same household and plan: the premium tax credit allowed on final income versus the advance payments on Form 1095-A, and the excess to repay (no repayment cap from 2026) or the extra credit to claim.

estimate_tax_credit_repayment input schema

{
  "type": "object",
  "required": [
    "state",
    "household_size",
    "annual_income",
    "benchmark_annual"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    },
    "annual_income": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Final 2026 household income (modified AGI) in dollars."
    },
    "advance_annual": {
      "type": "number",
      "default": 0,
      "maximum": 1000000,
      "minimum": 0,
      "description": "Form 1095-A column C (advance payments), summed for the year."
    },
    "household_size": {
      "type": "integer",
      "maximum": 12,
      "minimum": 1,
      "description": "People in the tax household."
    },
    "benchmark_annual": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 1,
      "description": "Form 1095-A column B (benchmark plan premium), summed for the year."
    },
    "enrolled_premium_annual": {
      "type": "number",
      "maximum": 1000000,
      "minimum": 0,
      "description": "Form 1095-A column A (your plan's premiums), summed. Defaults to the benchmark amount."
    }
  },
  "additionalProperties": false
}

estimate_tax_credit_repayment annotations

{
  "title": "Estimate 2026 premium tax credit repayment (Form 8962)",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

get_state_marketplace_facts — 2027 marketplace facts for a state

Advertised by the server during the last successful anonymous check.

Advertised read-only

For one state: where to enroll (HealthCare.gov or the state exchange, with its URL), 2027 open enrollment start and end dates and the last day for January 1 coverage, Medicaid expansion status, any state coverage mandate and penalty, state premium help programs, the 2027 average rate change where the regulator published one, and short-term plan rules.

get_state_marketplace_facts input schema

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 30,
      "minLength": 2,
      "description": "Two-letter state code (e.g. TX, CA, DC) or full state name."
    }
  },
  "additionalProperties": false
}

get_state_marketplace_facts annotations

{
  "title": "2027 marketplace facts for a state",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 402 ms
95th percentile latency: 402 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 1, 2026, 10:15 PM UTC · probe · passed · 402 ms · metadata changed · 6 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http healthinsurance-help-mcp https://healthinsurance.help/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add healthinsurance-help-mcp --url https://healthinsurance.help/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable healthinsurance-help-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "healthinsurance-help-mcp": {
      "url": "https://healthinsurance.help/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "healthinsurance-help-mcp": {
      "type": "streamableHttp",
      "url": "https://healthinsurance.help/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start healthinsurance-help-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "healthinsurance-help-mcp": {
      "type": "http",
      "url": "https://healthinsurance.help/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http healthinsurance-help-mcp https://healthinsurance.help/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "healthinsurance-help-mcp": {
      "url": "https://healthinsurance.help/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "healthinsurance-help-mcp": {
      "serverUrl": "https://healthinsurance.help/mcp"
    }
  }
}

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HealthInsurance.help MCP

Endpoint and access

What you can do with it

Source and maintenance

Protocol and capabilities

Server-provided instructions

Tools

Prompts

Resources

30-day availability

Maintenance history

Connect from your client

Claude Code

Codex

Cursor

Cline

VS Code

Gemini CLI

Claude Desktop

Windsurf

Let your agent find its tools

Other data and analytics servers

Do you run HealthInsurance.help MCP?