Quote a Group for ICHRA

Quote all members in a group for ICHRA health insurance coverage

ICHRA Group Quoting is under development. Endpoint schemas and other components stated in this section are subject to change.

An ICHRA quote can be created for a group through the "Create an ICHRA Quote" endpoint (technical API docs will be available on release). ICHRA quotes are processed asynchronously; a successful request to this endpoint indicates that the quote is created and processing. The ICHRA Quote Status section details the ICHRA quote metadata returned in the "Create an ICHRA Quote" endpoint response and how to poll for completed statuses.

Create an ICHRA Quote

An ICHRA quote is created in reference to a group. The parameters required to create a quote are specific to that quote and the group at the time of quote creation; all members in the group will be quoted. An example request with all available fields for an ICHRA quote is included below, for reference.

POST /groups/<group.id>/ichra_quotes

{
  "quote": {
    "effective_date": "2026-01-01",
    "calculations": {
      "ptc_subsidy": { "enabled": true },
      "ichra_affordability": { "enabled": true, "rating_area_basis": "home", "plan_year": 2025 },
      "csr_eligibility": { "enabled": true }
    },
    "plan_filters": {
      "exchange_availability": [ "on_only", "off_only", "both" ],
      "reference_plans": [ "lcsp", "slcsp", "lowest_silver_overall", "highest_silver_overall", "lowest_gold_overall", "highest_gold_overall" ],
      "hios_issuer_ids": [ "12345" ]
    },
    "outputs": {
      "premiums_by_applicant": { "enabled": true },
      "bulk_export_file": { "enabled": true }
    }
  }
}

Required Parameters

• Effective Date effective_date - the effective date of coverage to be quoted for all members in the group. In the individual market, plan availability and premiums are consistent throughout a calendar year.

Optional Calculations

PTC subsidies, ICHRA affordability, and CSR eligibility calculations can be optionally included as part of the ICHRA quote. These calculations, particularly ICHRA affordability, can increase processing time for the quote. Each calculation is represented as an object in the optional calculations object. If the calculations object is omitted or empty, no additional calculations will be included. One or more calculations can be included for a quote. If a calculation is included, all nested fields in the calculation's object are required.

The optional calculations require additional member data in order to be evaluated. See the Add a Census section for additional details on requirements.

• PTC Subsidy ptc_subsidy - adds Federal Premium Tax Credit (PTC) and CHIP/Medicaid eligibility to the response for each member. For more information on these programs, see the Subsidies and Tax Credits section. State subsidies are not supported for ICHRA quotes.

  • Enabled enabled - boolean to enable the PTC subsidy calculation.

• ICHRA Affordability ichra_affordability - adds ICHRA affordability data to the response for each member, returning the minimum employer contribution both based on the member's income and the federal poverty line.

  • Enabled enabled - boolean to enable the ICHRA affordability calculation.

  • Rating Area Basis rating_area_basis - configures the location used to determine plan availability and rating area for the affordability calculation. The options are home or work and correspond to the member's census zip-county or their associated work location's zip-county.

  • Plan Year plan_year - the plan year used for determining plan availability and premiums for the affordability calculation. A prior year can be used if not all plans for the upcoming plan year are available.

• CSR Eligibility csr_eligibility - if enabled, evaluates each member for CSR eligibility and returns CSR variants in the quote response if eligible. If not enabled, each member will be quoted base plans regardless of their eligibility for CSRs based. For more information on CSR eligibility, see the Subsidies and Tax Credits section.

  • Enabled enabled - boolean to enable evaluating CSR eligibility for members.

Optional Plan Filters

The plans returned for a quote can be optionally filtered to reduce the amount of data returned in the response. These filters act on the plans returned for all members. They do not reduce processing time of the quote. Filters should only be included if full plan availability and premiums will never be required for the group and its members. If all plans are required downstream, then the initial quote should reflect that without filters included.

The available filters are mutually exclusive; only one filter array can be included in a single quote. Each filter is an array of strings that represent the plans to include.

• Issuer ID hios_issuer_ids - filters plans for each member to only those associated with the one or more 5-digit issuer IDs included in the filter. Note that issuer IDs are unique to a carrier and state, and carriers can list plans under multiple issuer IDs in a single state. If members span multiple states, then issuer IDs across those states must be included in order to correctly filter plans.

• Exchange Availability exchange_availability - filters plans for each member based on the plan's exchange availability. Plans can be categorized in one of the following three ways; one or more of these strings can be included in the filter to include plans of that categorization. For example, to include all plans available on exchange, the on_only and both strings should be included in the exchange_availability array.

  • on_only - includes plans that are only available on the exchange.

  • off_only - includes plans that are only available off the exchange.

  • both - includes plans that are available both on and off the exchange.

• Reference Plans reference_plans - filters plans for each member to only include the selected reference plans. One or more of the following strings can be included in the filter to include the reference plan for that string.

  • lcsp - the lowest cost silver plan available on the exchange for the member. This is the reference plan used for ICHRA affordability calculations.

  • slcsp - the second lowest cost silver plan available on the exchange for the member. This is the reference plan used for PTC subsidy calculations.

  • lowest_silver_overall, highest_silver_overall, lowest_gold_overall, highest_gold_overall - these four reference plans type are evaluated across all plans available to the member, on or off exchange.

Optional Quote Outputs

The optional quote outputs can increase processing time of the ICHRA quote. Enabling them adds data to the API responses or generates an additional bulk export file with the quote data. Detailed information on these quote outputs is included in the Pull Quote Results section.

• Premiums by Applicant premiums_by_applicant - adds applicant-level premium breakdowns to each quoted plan for members, giving visibility to age-banded premiums for each household member (the member and their dependents) instead of a single total. This addition is consistent with the Premiums by Applicant feature being released in Q1 2026.

  • Enabled enabled - boolean to enable.

• Bulk Export File bulk_export_file - in addition to quote data availability in the API, a bulk export file will be generated containing all quote data for each member.

  • Enabled enabled - boolean to enable.

Quote IDs

Successful requests to the "Create an ICHRA Quote" endpoint will return an id for the quote. This internal identifier needs to be referenced in subsequent endpoints to check quote status and pull results.

The quote.id should be easily accessible for triage workflows; it is required for support requests related to group quoting, along with the group.id (found in the Create a Group section).