get_plan_value

Vlada Plan Value: MODELED value to the member of a Medicare Advantage plan, per member per month, for 2026 and 2027 (never a filed benefit, a bid or a paid claim). The headline is medical cost-sharing value at the expected position in each filed range + extras (the flex card valued by what the money buys) + Part D + the Part B buydown - the member premium, one figure per leg. D-SNP has two columns: the headline is the full-dual column (extras + Part D against the Extra Help comparator, medical $0) and the filed design rides beside it.

THREE MODES, chosen by the arguments. PLAN: contract_id (e.g. 'H0609') + plan_id (e.g. '025') [+ segment_id] -> each plan segment's value 2026 and 2027, the five legs, the range ends, the card bounds, the value without Part D, the filed design, and for a D-SNP the full-dual column, Part D against Extra Help and Medicaid's cost-sharing protection (published beside, never in a total), plus part_d_2027_basis. A contract alone lists its plan segments (largest first). MARKET: product_type (required; non-SNP HMO | non-SNP PPO | D-SNP HMO | D-SNP PPO | C-SNP HMO | C-SNP PPO | I-SNP HMO | I-SNP PPO; 'ALL' is refused) + geography (national | state | county; inferred from the place) + state / county (name as CMS spells it, with state) / county_ssa, optional parent (partial name matches) and plan_type (default 'ALL'), group_by (parent by default | none | state | county | plan_type | product_type) -> value.summary is the market: its levels (2026 = every September 2026 member, 2027 = those members followed to their 2027 plan) and its same-member change (members valued in both years: 2026, 2027, change), every leg; value.rows are the parents (or groups), largest first. RANK: rank=true with product_type and a geography -> who cut and who added most, on two bases side by side: 'same members' (member-weighted, the members followed) and 'plans on the shelf' (the simple average of the plans offered), each with its rank.

limit bounds the rows (default 25, max 500).

READ IT RIGHT: compare only inside one product type; a null is not valued, never $0; levels are not changes (the change is the same-member block); the 2027 Part D leg is final, priced on CMS's CY2027 formulary (a plan whose Part D could not be priced is labelled refused, never $0), and the value without Part D is the like-for-like reading of the other legs; the plan's ER cost is an upper bound (the ER copay charged on every visit, waiver on admission not applied; CMS convention); the card is the largest open sensitivity (quote the card bounds); 2027 is priced on the 2026 cohort, statute and dollars, a design comparison and not a forecast.

SOURCE: Vlada Plan Value (build v19e = Method Lock 1.0 + PV-55, signed 2026-10-17) from the CMS Plan Benefit Package filings, CMS county enrollment, the CMS plan crosswalk and the CMS Part D formulary files.