HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math

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How to connect

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "healthinsurance-help-2027-aca-subsidy-medicaid-and-cobra-mat": {
      "type": "http",
      "url": "https://healthinsurance.help/mcp"
    }
  }
}

6 tools

• estimate_premium_tax_credit

  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…

• get_county_plan_prices

  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…

• get_medicaid_chip_limits

  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…

• compare_cobra_vs_marketplace

  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…

• estimate_tax_credit_repayment

  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…

• get_state_marketplace_facts

  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…

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