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

by healthinsurance Your server? Claim it

answering

HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math is answering right now. Last checked 3 min ago. It exposes 6 tools.

2027 ACA subsidy estimates, Medicaid/CHIP limits, COBRA vs marketplace math.

Uptime history 25 hours of history

25 hours agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

217 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 3 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

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

Settings → Connectors → Add custom connector, then paste this address

https://healthinsurance.help/mcp

~/.codex/config.toml

[mcp_servers.healthinsurance-help]
url = "https://healthinsurance.help/mcp"

.cursor/mcp.json

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

.vscode/mcp.json

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

Available tools 6

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

estimate

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 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_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 to claim.

compare

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 to estimate it as the benchmark silver plan after the 2027 credit.

county

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 ages you give. Omit county for the state's range (median, lowest and highest benchmark).

medicaid

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 screen of published limits, not an eligibility decision.

state

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 rate change where the regulator published one, and short-term plan rules.

Endpoints

URL	Transport	State	Latency	Checked
https://healthinsurance.help/mcp	streamable-http	answering	201 ms	3 min ago

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

Answers built from our own checks of this server.

What can HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math do?

It exposes 6 tools, read directly from the server on our last check. Among them: compare_cobra_vs_marketplace, estimate_premium_tax_credit, estimate_tax_credit_repayment, get_county_plan_prices, get_medicaid_chip_limits, get_state_marketplace_facts. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 217 ms. The bar chart above shows every period we have measured.

How do I connect HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math need an API key?

No. HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 6 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math?

It answers our handshake in 217 ms on average, which is faster than 65% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.