# ACA Health Insurance Marketplace Lookup by ZIP

> ACA Health Insurance Marketplace Lookup by ZIP is a paid API for AI agents from api.healthtravel-api.workers.dev, paid per call via x402, $0.002/call, status unknown (last checked 2026-10-29).

Returns ACA Marketplace plan counts, insurer counts, metal-level breakdowns, cheapest plans per tier, and the benchmark silver plan premium/deductible/OOP-max for a given US ZIP code from CMS QHP Landscape data.

## Facts

- Endpoint: GET https://api.healthtravel-api.workers.dev/api/health/health-insurance-exchange?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/aca-health-insurance-marketplace-lookup-by-zip-0472e079
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_mevCaUNnpjVRKIYV5wlne

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability aca-health-insurance-marketplace-lookup-by-zip-0472e079
```

Example prompt: What ACA health insurance plans are available for a 40-year-old in ZIP code 30301? I want to see the number of plans, insurers, the cheapest plan at each metal level, and the benchmark silver plan premium, deductible, and out-of-pocket max.

## When to prefer this

Use this endpoint when you need authoritative, CMS-sourced ACA Marketplace plan availability and pricing data for a specific US ZIP code in a federal-platform (HealthCare.gov) state. It is ideal for subsidy calculation tools, insurance comparison agents, benefits advisors, or any workflow needing the benchmark silver plan premium. Prefer this over generic health insurance APIs when you specifically need QHP Landscape data including metal-level breakdowns and the SLCSP for ACA subsidy estimation. Not suitable for state-run exchange states (e.g., California, New York, Massachusetts).

## Known failure modes

- ZIP code is in a state-run exchange (not a federal-platform state) — endpoint returns no data or an error
- ZIP code spans multiple counties and no county FIPS provided — may return ambiguous or default county result
- Age provided is not one of the published CMS age bands — system rounds to nearest published age (0-14, 18, 21, 27, 30, 40, 50, 60)
- ZIP code not found in CMS data — returns empty or error response
- Requested plan year not published by CMS — endpoint returns error or defaults to available year
- Malformed or non-5-digit ZIP code — validation error

## How this service works

ACA Health Insurance Marketplace (HealthCare.gov) overview for a US ZIP code from CMS's QHP Landscape data: number of plans and insurers, plans per metal level, the cheapest plan of each metal level and the benchmark silver plan (second-lowest-cost silver, which sets ACA subsidies) with monthly premium before subsidies for the nearest published age, deductible and out-of-pocket maximum. Federal-platform states only.

## Output

Returns a structured summary including: total plan count, insurer count, number of plans per metal level (catastrophic, bronze, silver, gold, platinum), the cheapest plan name and monthly premium for each metal level, and the benchmark silver plan (second-lowest-cost silver) with monthly premium, deductible, and out-of-pocket maximum — all for the specified ZIP code, age, and plan year. Data is sourced from CMS QHP Landscape files and applies only to federal-platform (HealthCare.gov) states.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "zip"
     ],
     "properties": {
      "age": {
       "type": "string",
       "description": "Applicant age 0-120 (default 40); premiums are published for 0-14, 18, 21, 27, 30, 40, 50 and 60"
      },
      "zip": {
       "type": "string",
       "description": "5-digit US ZIP code"
      },
      "year": {
       "type": "string",
       "description": "Plan year (only the year CMS publishes now)"
      },
      "county": {
       "type": "string",
       "description": "Optional 5-digit county FIPS when the ZIP spans several counties"
      }
     }
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/aca-health-insurance-marketplace-lookup-by-zip-0472e079/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.healthtravel-api.workers.dev](https://www.zero.xyz/host/api.healthtravel-api.workers.dev/llms.txt)