# Saylor Innovations Insurance Deductible Cost-Share Calculator

> Saylor Innovations Insurance Deductible Cost-Share Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-17).

Calculates member cost and plan cost from an allowed/negotiated amount, deductible remaining, and coinsurance percentage for health insurance claims

## Facts

- Endpoint: GET https://saylorinnovations.com/api/insurance/deductible?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-17
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-insurance-deductible-cost-share-calculator-5c86ede2
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_eazw81oSIIqdSXFBIu1vw

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 saylor-innovations-insurance-deductible-cost-share-calculator-5c86ede2
```

Example prompt: My doctor's visit has a negotiated allowed amount of $350, I have $200 left on my deductible, and my coinsurance is 20% — can you calculate exactly how much I'll owe versus what my insurance plan will cover?

## When to prefer this

Choose this endpoint when you need a quick, single-claim insurance cost-share breakdown — splitting an allowed/negotiated amount into member and plan portions accounting for deductible and coinsurance. It is ideal for patient-facing cost estimators, benefits advisors, HR tools, or any agent that needs to explain healthcare cost-sharing in real time. It does not model out-of-pocket maximums exhaustively or handle capitation/bundled payments.

## Known failure modes

- Missing required query parameters (allowed_amount, deductible_remaining, or coinsurance_percent) returns an error
- Non-numeric or negative values for allowed_amount may cause validation errors
- coinsurance_percent outside the 0-100 range may return an error or unexpected results
- Negative deductible_remaining values rejected as invalid
- Payment failure or missing x402 payment header returns 402 Payment Required

## How this service works

Insurance deductible cost-share calculator - member cost and plan cost from allowed amount and coinsurance

## Output

A JSON object containing the original inputs echoed back (allowed_amount, deductible_remaining, coinsurance_percent), plus the computed deductible_applied, coinsurance_amount, estimated_member_cost, estimated_plan_cost, out_of_pocket_remaining, the formula used for the calculation, and a scope_note explaining what the estimate covers and excludes.

## 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": [
      "allowed_amount",
      "deductible_remaining",
      "coinsurance_percent"
     ],
     "properties": {
      "allowed_amount": {
       "type": "string",
       "description": "required positive allowed or negotiated amount (query)"
      },
      "coinsurance_percent": {
       "type": "string",
       "description": "required coinsurance percentage from 0 to 100 (query)"
      },
      "deductible_remaining": {
       "type": "string",
       "description": "required non-negative deductible remaining (query)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "allowed_amount",
      "deductible_remaining",
      "coinsurance_percent",
      "deductible_applied",
      "estimated_member_cost",
      "scope_note"
     ],
     "properties": {
      "formula": {
       "type": "string",
       "description": "Formula used for the calculation"
      },
      "scope_note": {
       "type": "string",
       "description": "What this data covers and what it leaves out"
      },
      "allowed_amount": {
       "type": "number",
       "description": "Allowed amount"
      },
      "coinsurance_amount": {
       "type": "number",
       "description": "Coinsurance amount"
      },
      "deductible_applied": {
       "type": "number",
       "description": "Deductible applied"
      },
      "coinsurance_percent": {
       "type": "number",
       "description": "Coinsurance, as a percentage"
      },
      "estimated_plan_cost": {
       "type": "number",
       "description": "Estimated plan cost"
      },
      "deductible_remaining": {
       "type": "number",
       "description": "Deductible remaining"
      },
      "estimated_member_cost": {
       "type": "number",
       "description": "Estimated member cost"
      },
      "out_of_pocket_remaining": {
       "type": [
        "number",
   
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-insurance-deductible-cost-share-calculator-5c86ede2/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)