Quoting API

Environments:

Environment
URL

Staging

https://api.ichra-staging.healthsherpa.com

Production

https://api.ichra.healthsherpa.com

Get health insurance plan quotes (POST)

post

Fetch health insurance plans based on location, household details, and filtering criteria using POST request body

Authorizations
x-api-keystringRequired

API authentication token (required for production). These will be generated as needed and shared with you to use.

Body

Request body for POST /api/v1/quotes endpoint

zip_codestringRequired

ZIP code for the location

Example: 85001
fip_codestringRequired

County code (FIPS) for the location

Example: 04013
household_incomenumberOptional

Annual household income. Only required if the client wants subsidy information included in the result.

Example: 50000
statestring · max: 2Optional

State abbreviation

Example: CA
plan_yearinteger · min: 2020Optional

Plan year

Example: 2025
current_pageinteger · min: 1Optional

Current page number for pagination

Default: 1Example: 1
per_pageinteger · min: 1 · max: 20Optional

Number of results per page (max 20)

Default: 10Example: 10
dental_searchbooleanOptional

Whether to include dental plans in search

Example: true
sortstring · enumOptional

Sort order for results

Example: premium_ascPossible values:
add_attributesbooleanOptional

Whether to add additional plan attributes

Example: true
utilizationstring · enumOptional

Expected healthcare utilization level

Example: mediumPossible values:
all_benefitsbooleanOptional

Whether to include all benefit details

Example: false
all_detailsbooleanOptional

Includes cost information for each network tier and provides comprehensive benefit metadata for each covered benefit.

Example: true
off_exbooleanOptional

Return only off-exchange plans. Otherwise, will only return on-exchange plans.

Example: false
off_ex_include_non_enrollablebooleanOptional

If true, includes off-exchange plans the are not enrollable on HealthSherpa.

Default: falseExample: false
issuer_hios_idsstring[]Optional

Filter by specific issuer HIOS IDs

Example: ["12345","67890"]
Responses
200

Successfully retrieved plan quotes

application/json
post
/api/v1/quotes
POST /api/v1/quotes HTTP/1.1
Host: 
x-api-key: YOUR_API_KEY
Content-Type: application/json
Accept: */*
Content-Length: 496

{
  "zip_code": "85001",
  "fip_code": "04013",
  "applicants": [
    {
      "age": 35,
      "relationship": "primary",
      "smoker": false
    },
    {
      "age": 32,
      "relationship": "spouse",
      "smoker": false
    }
  ],
  "household_income": 50000,
  "state": "CA",
  "plan_year": 2025,
  "current_page": 1,
  "per_page": 10,
  "dental_search": true,
  "sort": "premium_asc",
  "add_attributes": true,
  "utilization": "medium",
  "all_benefits": false,
  "off_ex": false,
  "off_ex_include_non_enrollable": false,
  "networks": [
    "PPO",
    "HMO"
  ],
  "metal_levels": [
    "Silver",
    "Gold"
  ],
  "issuer_hios_ids": [
    "12345",
    "67890"
  ]
}
{
  "plans": [
    {
      "hios_id": "53901AZ1490005",
      "name": "Blue Portfolio HSA Gold Statewide PPO",
      "issuer": {
        "name": "Blue Cross and Blue Shield of Arizona",
        "hios_id": "53901",
        "state": "AZ",
        "payment_phone": "8447292583",
        "customer_service_phone": "6028644115",
        "eap_disabled": true
      },
      "metal_level": "Gold",
      "is_easy_pricing_plan": false,
      "plan_type": "PPO",
      "network_type": "PPO",
      "adult_medical": true,
      "child_medical": true,
      "adult_dental": false,
      "child_dental": true,
      "referral_required_for_specialist": false,
      "hsa_eligible": true,
      "state": "AZ",
      "dental_only": false,
      "estimated_rate": false,
      "networks": [
        {
          "id": 6028,
          "name": "Statewide PPO",
          "year": 2025,
          "issuer_network_id": "AZN003"
        }
      ],
      "year": 2025,
      "dentist_network_url": null,
      "csr_code": "01",
      "rating": {
        "hios_issuer_id": "53901",
        "state": "AZ",
        "plan_type": "PPO",
        "plan_year": 2025,
        "global_rate": 4,
        "s1_rate": 4,
        "s2_rate": 5,
        "s3_rate": 4
      },
      "cost_sharing": {
        "network_tier": "inn",
        "csr_type": "none",
        "medical_ded_ind": "2500",
        "medical_ded_fam": "5000",
        "drug_ded_ind": "Included in Medical",
        "drug_ded_fam": "Included in Medical",
        "medical_moop_ind": "4500",
        "medical_moop_fam": "9000",
        "drug_moop_ind": "Included in Medical",
        "drug_moop_fam": "Included in Medical",
        "medical_coins": "20.00%",
        "drug_coins": "Included in Medical",
        "pcp_visit_free_count": 0,
        "pcp_visit_ded_coins_begins_count": 0
      },
      "csr_level": "none",
      "cost_sharing_pretty": {
        "csr_type": "none",
        "ded_med_ind": "$2500",
        "ded_med_fam": "$5000",
        "ded_drug_ind": "No charge",
        "ded_drug_fam": "No charge",
        "oop_med_ind": "$4500",
        "oop_med_fam": "$9000",
        "oop_drug_ind": "No charge",
        "oop_drug_fam": "No charge"
      },
      "benefits": {
        "chiropractic": "20% coinsurance after deductible",
        "maternity": "20% coinsurance after deductible",
        "hospice_services": "20% coinsurance after deductible",
        "mental_health_outpatient": "20% coinsurance after deductible",
        "phys_occ_therapy": "20% coinsurance after deductible",
        "home_health_care_services": "20% coinsurance after deductible",
        "outpatient_rehabilitation_services": "20% coinsurance after deductible",
        "inpatient_physician": "20% coinsurance after deductible",
        "emergency": "20% coinsurance after deductible",
        "ambulance": "20% coinsurance after deductible",
        "generic_rx": "20% coinsurance after deductible",
        "imaging_advanced": "20% coinsurance after deductible",
        "inpatient_facility": "20% coinsurance after deductible",
        "lab_services": "20% coinsurance after deductible",
        "mental_health_inpatient": "20% coinsurance after deductible",
        "non_preferred_rx": "20% coinsurance after deductible",
        "other_practitioner_office_visit": "20% coinsurance after deductible",
        "outpatient_facility": "20% coinsurance after deductible",
        "outpatient_physician": "20% coinsurance after deductible",
        "preferred_rx": "20% coinsurance after deductible",
        "prenatal_and_postnatal_care": "20% coinsurance after deductible",
        "preventative": "No charge",
        "primary_care": "20% coinsurance after deductible",
        "skilled_nursing_facility": "20% coinsurance after deductible",
        "specialist": "20% coinsurance after deductible",
        "specialty_rx": "20% coinsurance after deductible",
        "substance_abuse_disorder_inpatient": "20% coinsurance after deductible",
        "substance_abuse_disorder_outpatient": "20% coinsurance after deductible",
        "urgent_care": "20% coinsurance after deductible",
        "well_baby": "No charge",
        "imaging_xray": "20% coinsurance after deductible"
      },
      "benefits_with_tier_2": {
        "chiropractic": false,
        "maternity": false,
        "hospice_services": false,
        "mental_health_outpatient": false,
        "phys_occ_therapy": false,
        "home_health_care_services": false,
        "outpatient_rehabilitation_services": false,
        "inpatient_physician": false,
        "emergency": false,
        "ambulance": false,
        "generic_rx": false,
        "imaging_advanced": false,
        "inpatient_facility": false,
        "lab_services": false,
        "mental_health_inpatient": false,
        "non_preferred_rx": false,
        "other_practitioner_office_visit": false,
        "outpatient_facility": false,
        "outpatient_physician": false,
        "preferred_rx": false,
        "prenatal_and_postnatal_care": false,
        "preventative": false,
        "primary_care": false,
        "skilled_nursing_facility": false,
        "specialist": false,
        "specialty_rx": false,
        "substance_abuse_disorder_inpatient": false,
        "substance_abuse_disorder_outpatient": false,
        "urgent_care": false,
        "well_baby": false,
        "imaging_xray": false
      },
      "benefits_pretty": {
        "chiropractic": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "maternity": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "hospice_services": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "mental_health_outpatient": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "phys_occ_therapy": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "home_health_care_services": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "outpatient_rehabilitation_services": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "inpatient_physician": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "emergency": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "ambulance": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "generic_rx": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "imaging_advanced": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "inpatient_facility": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "lab_services": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "mental_health_inpatient": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "non_preferred_rx": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "other_practitioner_office_visit": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "outpatient_facility": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "outpatient_physician": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "preferred_rx": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "prenatal_and_postnatal_care": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "preventative": {
          "original": "No charge",
          "before": "No charge",
          "after": "No charge"
        },
        "primary_care": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "skilled_nursing_facility": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "specialist": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "specialty_rx": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "substance_abuse_disorder_inpatient": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "substance_abuse_disorder_outpatient": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "urgent_care": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        },
        "well_baby": {
          "original": "No charge",
          "before": "No charge",
          "after": "No charge"
        },
        "imaging_xray": {
          "original": "20% after deductible",
          "before": "Full price",
          "after": "20%"
        }
      },
      "urls": {
        "network": "https://www.azblue.com/ppo",
        "benefits": "https://common.secure.azblue.com/SBC/GetSBC?ProductName=PPO%20Portfolio%20HSA%20Gold%20&Deductibles=2500&EffectiveDate=2025/01/01&ContractType=2.pdf",
        "formulary": "https://www.azblue.com/blueexchangeselectformulary",
        "brochure": "https://www.azblue.com/2025plans/IndividualShoppersGuide"
      },
      "cost_sharing_tiers": {
        "inn": {
          "network_tier": "inn",
          "csr_type": "none",
          "medical_ded_ind": "2500",
          "medical_ded_fam": "5000",
          "drug_ded_ind": "Included in Medical",
          "drug_ded_fam": "Included in Medical",
          "medical_moop_ind": "4500",
          "medical_moop_fam": "9000",
          "drug_moop_ind": "Included in Medical",
          "drug_moop_fam": "Included in Medical",
          "medical_coins": "20.00%",
          "drug_coins": "Included in Medical"
        },
        "inn2": "No data available",
        "oon": {
          "network_tier": "oon",
          "csr_type": "none",
          "medical_ded_ind": "9000",
          "medical_ded_fam": "18000",
          "drug_ded_ind": "Included in Medical",
          "drug_ded_fam": "Included in Medical",
          "medical_moop_ind": "18000",
          "medical_moop_fam": "36000",
          "drug_moop_ind": "Included in Medical",
          "drug_moop_fam": "Included in Medical",
          "medical_coins": null,
          "drug_coins": null
        }
      },
      "benefits_explanations": {
        "primary_care": "24/7 online doctor visits available with BlueCare Anywhere - see SBC for more information.",
        "specialist": null
      },
      "gross_premium": 775.14,
      "ehb_premium": 775.14,
      "subsidy_applied": 42,
      "premium": 733.14,
      "gross_premium_per_applicant": {
        "dependents": [],
        "non_dependents": {
          "primary": 775.14
        },
        "excluded_dependents": 0
      },
      "attributes": [
        {
          "text": "High monthly premium payment",
          "type": "bad",
          "rank": 101,
          "total": 101,
          "value": [
            733.14,
            2500
          ],
          "category": "premium"
        },
        {
          "text": "Average deductible",
          "type": "avg",
          "rank": 40,
          "total": 32,
          "value": 2500,
          "category": "deductible"
        },
        {
          "text": "Low out of pocket maximum",
          "type": "good",
          "rank": 2,
          "total": 25,
          "value": 4500,
          "category": "moop"
        },
        {
          "text": "High worst case costs",
          "type": "bad",
          "rank": 84,
          "total": 100,
          "value": 13297.68,
          "category": "worst_case"
        },
        {
          "text": "High cost for primary care doctor visits",
          "type": "bad",
          "rank": 101,
          "total": 13,
          "value": 186.3,
          "category": "primary_care_cost"
        },
        {
          "text": "High cost for specialist visits",
          "type": "bad",
          "rank": 101,
          "total": 15,
          "value": 207,
          "category": "specialist_cost"
        },
        {
          "text": "Average cost for emergency room visits",
          "type": "avg",
          "rank": 39,
          "total": 12,
          "value": 1209.8,
          "category": "emergency_room"
        },
        {
          "text": "Average cost for hospital stays",
          "type": "avg",
          "rank": 58,
          "total": 33,
          "value": 6858,
          "category": "hospital_stay"
        },
        {
          "text": "Average cost for generic drugs",
          "type": "avg",
          "rank": 89,
          "total": 9,
          "value": 28.75,
          "category": "generic_drug"
        },
        {
          "text": "High cost for approved brand name drugs",
          "type": "bad",
          "rank": 101,
          "total": 14,
          "value": 299,
          "category": "brand_drug"
        },
        {
          "text": "Covers dental services for children",
          "type": "good",
          "rank": null,
          "total": 101,
          "value": true,
          "category": "child_dental"
        },
        {
          "text": "Health Savings Account (HSA) eligible",
          "type": "good",
          "rank": null,
          "total": 101,
          "value": true,
          "category": "hsa"
        }
      ],
      "providers": [],
      "drugs": [],
      "prescriptions": {},
      "medicaid_eligible_applicants": [],
      "id": "1",
      "deductible": 2500,
      "moop": 4500,
      "issuer_name": "Blue Cross and Blue Shield of Arizona"
    }
  ],
  "meta": {
    "result_count": 25
  }
}
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