Plan, price, drug, network and quality data, by API.

Data categories

Thirteen categories of health plan data from public CMS files and carrier sources, all under one version root, https://api.choicearrangementdeck.com/v1/..., with one token and one quota.

Medicare Advantage and Part D plan data API

Search Medicare Advantage (MA and MA-PD) and stand-alone Part D (PDP) plans by state, county or ZIP code, plan type, organization, premium, drug coverage and Star Rating, and read a plan's premium, maximum out-of-pocket, copays, extra benefits, Part D deductible and tier cost sharing, and service area. The data comes from CMS public files. Every plan year is served separately: pass year=2026 or year=2027, and call /v1/medicare/years to see which years are live (a year appears when CMS publishes it).

# plans for ZIP 55082 (Washington County, MN), 2026 and 2027
curl -H "Authorization: Bearer $TOKEN" \
  "https://api.choicearrangementdeck.com/v1/medicare/plans?year=2026&zipCode=55082&countyFips=27163&perPage=10"
curl -H "Authorization: Bearer $TOKEN" \
  "https://api.choicearrangementdeck.com/v1/medicare/plans?year=2027&zipCode=55082&countyFips=27163&includesDrugCoverage=true&minStarRating=4"

# one plan: premium, MOOP, copays, drug tiers, service area
curl -H "Authorization: Bearer $TOKEN" \
  "https://api.choicearrangementdeck.com/v1/medicare/plans/H0028_007_0?year=2026"

Subsidy-aware quoting API: premium tax credit, Medicaid and cost-sharing reduction estimates

Give the API a household's income, size, ages, ZIP code and county, tobacco use and plan year, and it estimates the federal premium tax credit (APTC) from the second-lowest-cost silver plan (SLCSP) benchmark, flags likely Medicaid eligibility, and identifies cost-sharing reduction (CSR) eligibility and the matching silver plan variant. POST /v1/quotes accepts the same optional income fields and then adds a subsidized premium and credit to each plan; without them it behaves exactly as before. The rules are keyed by plan year (IRS applicable percentage table, HHS poverty guidelines, Medicaid expansion status) and every response names the rule year and sources, lists its assumptions, and states that it is an estimate, not tax advice or an eligibility determination. GET /v1/subsidies/rules returns the exact parameters, including whether the enhanced credits are in effect, for the year you ask about.

# estimate for one 40-year-old in ZIP 55082 (Washington County, MN)
curl -X POST -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"zipCode":"55082","countyFips":"27163","planYear":2026,
       "householdIncome":46950,"householdSize":1,"members":[{"age":40}]}' \
  "https://api.choicearrangementdeck.com/v1/subsidies/estimate"

# the rules and sources behind the numbers
curl -H "Authorization: Bearer $TOKEN" \
  "https://api.choicearrangementdeck.com/v1/subsidies/rules?year=2026"

# the same household as a quote, with per-plan subsidized premiums
curl -X POST -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"zipCode":"55082","countyFips":"27163","planYear":2026,
       "householdIncome":46950,"householdSize":1,"members":[{"age":40}]}' \
  "https://api.choicearrangementdeck.com/v1/quotes"

# hypothetical: the same household if the expired enhanced credits returned (not current law)
curl -X POST -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"zipCode":"55082","countyFips":"27163","planYear":2026,
       "householdIncome":64165,"members":[{"age":60}],
       "scenario":"enhancedCredits"}' \
  "https://api.choicearrangementdeck.com/v1/subsidies/estimate"

Design decisions

• Medicaid is an indicator, not a determination. If adults in the household look likely to be eligible for Medicaid, the estimate still returns the premium tax credit as if the household were eligible for Marketplace coverage, with medicaidChip.likelyMedicaidEligible: true, a creditNote explaining that people who are eligible for Medicaid generally cannot receive the credit, and one eligibility summary. Your application decides. Send treatMedicaidLikelyAsIneligible: true to get a credit of 0 in that case.
• State programs are flags; CHIP is not assessed. Basic Health Programs and similar state coverage (MinnesotaCare, the New York Essential Plan, Oregon OHP Bridge, Healthy DC Plan and the DC Health Care Alliance) appear in statePrograms with a source and as-of date, for the plan years where the program is confirmed. They never change the credit. Children's Medicaid and CHIP income limits are not assessed.
• Enhanced credits are a hypothetical scenario. scenario: "enhancedCredits" shows what the credit would be if the expired enhanced credits (no 400% limit, 0% to 8.5% of income) returned. It is not current law, every response says so, and the default is currentLaw. GET /v1/subsidies/rules?planYear=2026&scenario=enhancedCredits returns its rules.