# FindMyDirectDoctor Medicaid & Marketplace Coverage Pathway Screener > FindMyDirectDoctor Medicaid & Marketplace Coverage Pathway Screener is a paid API for AI agents from api.findmydirectdoctor.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-31). Screens a US household for likely health coverage pathway (Medicaid, Marketplace subsidy, coverage gap, or above subsidy range) based on state, household size, and annual income using 2026 federal poverty guidelines and KFF Medicaid limits. ## Facts - Endpoint: GET https://api.findmydirectdoctor.com/v1/coverage/medicaid-check?utm_source=zero.xyz - Price: $0.01/call - Payment: x402 - Status: unknown - Last checked: 2026-10-31 - Activations on Zero: 0 - Tags: x402 - Canonical page: https://www.zero.xyz/c/findmydirectdoctor-medicaid-marketplace-coverage-pathway-screener-28b9e0ef - Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_EyJp8YYwYA39dY3jiTidZ 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 findmydirectdoctor-medicaid-marketplace-coverage-pathway-screener-28b9e0ef ``` Example prompt: Can you screen my household for health coverage options? We're a family of 3 in Kansas with an annual household income of $27,000 — I want to know if we'd likely qualify for Medicaid, get an ACA subsidy, or fall in the coverage gap. ## When to prefer this Choose this endpoint when you need a fast, rules-based screening of US health coverage eligibility by state, household size, and income — especially when the user lacks employer coverage and wants to understand whether Medicaid, an ACA subsidy, or neither applies. It is not a substitute for an official eligibility determination but is ideal for pre-screening, referral routing, or informational agent flows. Prefer it over generic ACA calculators when you need structured pathway output with direct links to state Medicaid offices and Marketplace application URLs. ## Known failure modes - Invalid or missing state code returns a validation error - Household size of 0 or above 20 fails schema validation - Annual income outside 0–100,000,000 range fails validation - Unsupported coverage_year value fails enum validation - Truncated or malformed query params may return incomplete pathway data - State-specific edge cases (e.g. Basic Health Program states MN, NY, OR, DC) are noted in caveats but not fully modeled ## How this service works Screens a household for a likely coverage pathway from state, household size and yearly income: Medicaid may qualify, Marketplace subsidy may qualify, coverage gap, or above the subsidy range. Uses 2026 federal poverty guidelines and KFF-reported state Medicaid limits, reports income as a percent of the poverty line and links the state Medicaid office. Screening estimate only; the state decides. Income is not stored or logged. ## Output Returns a JSON object with a coverage pathway enum (medicaid_may_qualify, marketplace_subsidy_may_qualify, coverage_gap, or above_subsidy_range), a plain-English headline, the household's income as a percent of the federal poverty line, the state Medicaid office URL, Marketplace apply URL, detailed limits and guideline amounts used, any age or Medicare notes, caveats about what is not modeled, and a disclaimer that the result is a screening estimate only. ## 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": [ "state", "household_size", "annual_income" ], "properties": { "age": { "type": "integer", "maximum": 120, "minimum": 0, "description": "Optional age of the applicant. At 65 or older the response adds a note that Medicare usually applies and is not modeled." }, "group": { "enum": [ "adult", "parent", "pregnant", "child" ], "type": "string", "default": "adult", "description": "Which Medicaid group to screen: adult, parent, pregnant or child." }, "state": { "type": "string", "pattern": "^[A-Za-z]{2}$", "description": "2-letter US state code (or DC)." }, "annual_income": { "type": "number", "maximum": 100000000, "minimum": 0, "description": "Yearly household income in US dollars before taxes. It is not stored or logged by the application." }, "coverage_year": { "enum": [ 2026, 2027 ], "type": "integer", "default": 2027, "description": "Coverage year for the Marketplace calculation." }, "household_size": { "type": "integer", "maximum": 20, "minimum": 1, "description": "Number of people in the household, counting the applicant." } } } }, "additionalProperties": false }, "output": { "type": "object", "required": [ "type" ], "properties": { "type": { "type": "string" }, "example": { "type": "object", "required": [ "pathway", "headline", "fpl_percent", "state_medicaid_office_url", "caveats", "disclaimer" ], "properties": { "notes": { "type": "array", "items": { "type": "string" } }, "query": { "type": "object", "description": "The request as understood. Income is not echoed in any log." }, "source": { "type": "string" }, "ca … (truncated) ``` ## Response schema (JSON Schema) ```json { "type": "json", "example": { "notes": [ "Kansas has not expanded Medicaid. The adult limit shown is for adults without a child at home. Parents have a different limit (38 percent of the poverty guideline for a family of three), which group=parent uses." ], "query": { "group": "adult", "state": "KS", "coverage_year": 2027, "household_size": 3 }, "source": "Federal poverty guidelines (HHS ASPE), KFF Medicaid limits, FindMyDirectDoctor Foundation coverage gap checker", "caveats": [ "This is a screening estimate from public rules, not an eligibility decision. Only the state Medicaid agency or the Marketplace can decide.", "Marketplace help is usually not available when affordable job-based coverage is offered or when a person has Medicare.", "Not modeled: disability-based Medicaid, Medicare, immigration status, assets, Basic Health Program states (MN, NY, OR, DC), and state-specific pregnancy limits above the federal floor.", "Non-expansion states: KFF reports the parent limit for a family of three, and the same percent is applied to other household sizes. Facts verified 2026-10-14.", "The enhanced Marketplace tax credits ended after 2025, so the 2026 and later Marketplace help follows the original (smaller) rules." ], "details": { "group_used": "adult", "medicaid_expanded": false, "medicaid_limit_usd": 0, "household_size_used": 3, "medicaid_limit_basis": "adult", "marketplace_range_usd": [ 27320, 109280 ], "medicaid_limit_percent_fpl": 0, "poverty_guideline_2026_usd": 27320, "marketplace_poverty_guideline_usd": 27320, "marketplace_poverty_guideline_year": 2026 }, "pathway": "coverage_gap", "headline": "The household may fall in the Medicaid coverage gap in Kansas: income looks too high for Medicaid and too low for Marketplace help.", "apply_url": "https://www.healthcare.gov/", "conditions": [], "data_as_of": "2026-10-02", "disclaimer": "Screening estimate only. Only the state Medicaid agency or the Marketplace can decide who qualifies. This is not legal, tax or medical advice.", "state_name": "Kansas", "fpl_percent": 73, "annual_income_usd": 20000, "facts_verified_on": "2026-10-14", "marketplace_fpl_percent": 73, "state_medicaid_office_url": "https://www.kancare.ks.gov/" } } ``` ## More - Live health (JSON, refreshed every minute): https://www.zero.xyz/c/findmydirectdoctor-medicaid-marketplace-coverage-pathway-screener-28b9e0ef/health.json - [Zero catalog index](https://www.zero.xyz/llms.txt) - [Other services from api.findmydirectdoctor.com](https://www.zero.xyz/host/api.findmydirectdoctor.com/llms.txt)