Healthcare

Retirement health-insurance costs (ACA subsidy / Medicare)

Before age 65, estimates the ACA premium subsidy as a function of MAGI — the hidden cost of Roth conversions and withdrawals that raise income, including the 400%-of-FPL subsidy cliff that returns in 2026. At 65+, returns the Medicare Part B cost (base + IRMAA). The benchmark premium (second-lowest Silver plan) is an input (area/age specific). 48 states + DC. Year-keyed FPL + applicable-percentage tables. Deterministic.

post/v1/healthcare-costs

Request

  • Base URL: https://api.numeratica.com
  • URL: https://api.numeratica.com/v1/healthcare-costs
  • Auth: one of:
    • HTTP bearer
    • API key in header X-API-Key

Request body

coverage_year2025 | 2026 required
household_sizeinteger required
maginumber required
benchmark_annual_premiumnumber

Second-lowest Silver plan, annual (area/age specific).

statestring

Optional 2-letter code. "AK" and "HI" use their higher poverty guidelines; any other value (or empty) uses the 48 contiguous states + DC.

ageinteger

65+ switches to the Medicare line.

filing_status'single' | 'mfj' | 'mfs' | 'hoh'

For the Medicare IRMAA surcharge.

Example request

{
  "coverage_year": 2026,
  "household_size": 2,
  "magi": 70000,
  "benchmark_annual_premium": 16000
}

Response

Cost estimate

result_idstring
engine_versionstring
disclaimerstring

Example response

{
  "result_id": "hc_1a2b3c4d5e6f7a8b",
  "engine_version": "healthcare-1.0.0",
  "inputs": {
    "coverage_year": 2026,
    "household_size": 2,
    "magi": 70000,
    "benchmark_annual_premium": 16000
  }
}

Changes

No recorded changes to this operation across all 1 revision of this API.