# get_exchange_plan_profile Get Exchange Plan Profile · v1.0.0 · commercial One ACA Marketplace (healthcare.gov / HIX) plan's profile for a plan year, every field tagged with the CCIIO PUF it came from. Give plan_id (the 14-character HIOS standard component id, e.g. 38344AK1060001) for the plan: issuer, metal level, plan type (HMO/PPO/EPO/POS), Individual vs SHOP, on/off exchange, network, county footprint, premium benchmarks at age 21/40/60 (min across the plan's rating areas, plus the age-40 max), the per-age premium curve from the Rate PUF (include_rate_curve, default true), headline cost shares (PCP / specialist / ER / urgent care / generic drug copay, inpatient coinsurance), CMS quality stars, and the issuer's individual-market MLR. Or give state (+ optional plan_year, metal_level, issuer_id, plan_type, on_off_exchange) for the bounded list of that state's plans, cheapest age-40 premium first. plan_year defaults to the latest year held (PY2014-2026). Deductible / MOOP are returned as not_available (not in the composed profile). FFM states only: a state-based marketplace (CA, NY, PA, GA, ...) is absent at source and the tool says so rather than returning nothing silently. **Inputs.** - `plan_id`: - `plan_year`: - `state`: - `metal_level`: - `issuer_id`: - `plan_type`: - `on_off_exchange`: - `include_rate_curve`: - `limit`: **Known limits.** - FFM (healthcare.gov) states only; state-based marketplaces are absent at source. - Deductible / MOOP are not in the composed profile (untyped raw JSON in the Plan Attributes PUF today) and are returned as not_available. - premium_age21/40/60 are the MIN across the plan's rating areas (age-40 MAX also given); county-grain premium needs the rating area (use rate_curve / the Rate PUF). - Cost shares are the base variant (-01) as filed; CSR variants differ. Quality only for CMS-rated plans in PY2023/2024/2026; MLR only PY2019-2024; PY2015 premiums thin at source; medical plans only (v1). **A real answer** (customer seat, 2.48 s, args `{"state":"TX","limit":3}`): ```json { "value": { "found": true, "not_found_reason": null, "mode": "list", "query": { "plan_id": null, "plan_year": null, "state": "TX", "metal_level": null, "issuer_id": null, "plan_type": null, "on_off_exchange": null, "include_rate_curve": true, "limit": 3 }, "plan_year": 2026, "plans": [ { "plan_id": "66252TX0380100", "business_year": 2026, "issuer_id": "66252", "issuer_company_name": null, "plan_marketing_name": "CHRISTUS Catastrophic (3 Free PCP visits)", "metal_level": "Catastrophic", "plan_type": "HMO", "market_coverage": "Individual", "on_off_exchange": "Both", "network_name": "CHRISTUS Health Plan Texas", "covers_entire_state": false, "n_counties": 38, "premium_age21": 250.7, "premium_age40": 320.39, "premium_age60": 680.39, "premium_age40_max": 372.09, "quality_overall": 3, "issuer_ind_mlr_ratio": null }, { "plan_id": "40788TX0460006", "business_year": 2026, "issuer_id": "40788", "issuer_company_name": null, "plan_type": "HMO", "market_coverage": "Individual", "on_off_exchange": "Both", "network_name": "BSW Premier HMO", "covers_entire_state": false, "n_counties": 104, "premium_age21": 275.54, "premium_age40": 352.15, "premium_age60": 747.83, "premium_age40_max": 652.41, "quality_overall": 2, "issuer_ind_mlr_ratio": null }, { "plan_id": "33602TX0461116", "business_year": 2026, "issuer_id": "33602", "issuer_company_name": null, "plan_type": "HMO", "market_coverage": "Individual", "on_off_exchange": "Both", "network_name": "MyBlue Health", "covers_entire_state": false, "n_counties": 1, "premium_age21": 277.61, "premium_age40": 354.79, "premium_age60": 753.43, "premium_age40_max": 354.79, "quality_overall": 3, "issuer_ind_mlr_ratio": null } ], "row_counts": { "plans": { "matched": 4, "matched_is_lower_bound": true, "returned": 3, "truncated": true, "limit": 3 } }, "units": { "premium_age21": "USD/month", "premium_age40": "USD/month", "premium_age60": "USD/month", "premium_age40_max": "USD/month", "issuer_ind_premium_earned": "USD", "issuer_ind_mlr_ratio": "ratio", "quality_overall": "stars_1_to_5", "quality_medical": "stars_1_to_5", "quality_member_exp": "stars_1_to_5", "n_counties": "count", "n_rating_areas": "count", "n_benefits_covered": "count", "n_ehb_benefits": "count", "pcp_copay": "as_filed_text", "specialist_copay": "as_filed_text", "er_copay": "as_filed_text", "urgent_care_copay": "as_filed_text", "generic_drug_copay": "as_filed_text", "inpatient_coins": "as_filed_text" }, "query_ids": [ "55481ce3-2f75-4889-bb90-e507eaefc980" ] }, "unit": "exchange_plan_list", "vintage": "PY2026", "source": { "dataset": "Vlada Exchange plan profile (composed from the CCIIO PUFs)", "publisher": "vlada", "catalog_updated_at": "2026-10-13" }, "caveats": [], "response_hash": "d7af81eddd664accefd25d71aaec5f6d509f72a3442d76cd04d58fe01b004c47", "semantic_version": 1, "tool_version": "get_exchange_plan_profile@1.0.0", "explanation": null, "status": "complete", "audience": "customer", "answer": { "value_ref": "value", "unit": "exchange_plan_list", "scope": { "tool": "get_exchange_plan_profile", "filters": { "plan_year": 2026, "state": "TX", "include_rate_curve": true, "limit": 3 } } }, "method": "Computed over the filters shown in this answer's scope, from the sources listed in its evidence. Nothing outside those filters was included. You did not specify include_rate_curve; yes was used. You did not specify plan_year; 2026 was used.", "evidence": { "sources": [ { "dataset": "Vlada Exchange plan profile (composed from the CCIIO PUFs)", "publisher": "vlada", "catalog_updated_at": "2026-10-13" } ], "response_hash": "d7af81eddd664accefd25d71aaec5f6d509f72a3442d76cd04d58fe01b004c47" }, "defaults_applied": [ { "param": "include_rate_curve", "used": true, "reason": "tool default" }, { "param": "plan_year", "used": 2026, "reason": "tool default" } ] } ``` REST: `POST https://api.vladahealth.com/v1/tools/get_exchange_plan_profile` with the inputs as the JSON body. MCP: the tool by name.