> ## Documentation Index
> Fetch the complete documentation index at: https://beta-docs.vitablehealth.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Search marketplace plans

> Search for health insurance marketplace plans based on location, applicants,
and household information. This endpoint helps payroll providers and benefits
administrators find available health plans for ICHRA (Individual Coverage HRA)
implementations and employee plan selection.




## OpenAPI

````yaml external-api-schema.yml post /v1/marketplace-plans/search
openapi: 3.0.3
info:
  title: Vitable External Partner API
  version: 1.0.0
  description: >
    External API for Payroll Providers and PEO platforms to integrate with
    Vitable health plan products 

    for benefit administration. This API enables partner systems to manage
    benefit enrollment, 

    employee data, and plan information for their clients.


    Common integration scenarios:

    - Retrieve active benefit plans for employers

    - List enrolled employees for benefit periods  

    - Create and update employee records

    - Manage benefit enrollments and elections

    - Access enrollment status and eligibility information
servers:
  - url: https://api.vitablehealth.com
    description: Production server
  - url: https://api-staging.vitablehealth.com
    description: Staging server
security:
  - partnerApiKey: []
tags:
  - name: Company Benefits
    description: Benefit plans available to companies (plan years)
  - name: Company Members
    description: Employee management and information
  - name: Benefit Enrollments
    description: Employee benefit enrollment status and management
  - name: Member Benefits
    description: Individual employee benefit information
  - name: Benefit Eligibility
    description: Employee benefit eligibility information
  - name: Payroll Integration
    description: Payroll deduction and contribution calculations
  - name: Quoting
    description: Marketplace plan searches and insurance quotes
paths:
  /v1/marketplace-plans/search:
    post:
      tags:
        - Quoting
      summary: Search marketplace plans
      description: >
        Search for health insurance marketplace plans based on location,
        applicants,

        and household information. This endpoint helps payroll providers and
        benefits

        administrators find available health plans for ICHRA (Individual
        Coverage HRA)

        implementations and employee plan selection.
      operationId: search_marketplace_plans
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SearchMarketplacePlansRequest'
      responses:
        '200':
          description: List of available marketplace plans
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SearchMarketplacePlansResponse'
      security:
        - partnerApiKey: []
components:
  schemas:
    SearchMarketplacePlansRequest:
      type: object
      description: Request to search for marketplace health insurance plans
      properties:
        zipcode:
          type: string
          description: ZIP code for plan availability search
        applicants:
          type: array
          items:
            $ref: '#/components/schemas/MarketplacePlanApplicant'
          description: List of people who need coverage
        household:
          allOf:
            - $ref: '#/components/schemas/MarketplacePlanHousehold'
          nullable: true
          description: Household information for subsidy calculations
        providers:
          type: array
          items:
            $ref: '#/components/schemas/ExternalProviderDTO'
          nullable: true
          description: Preferred healthcare providers to check network coverage
        enrollment_date:
          type: string
          format: date
          nullable: true
          description: Intended enrollment date for coverage
      required:
        - zipcode
        - applicants
    SearchMarketplacePlansResponse:
      type: object
      description: Response containing available marketplace plans
      properties:
        marketplace_plans:
          type: array
          items:
            $ref: '#/components/schemas/MarketplacePlanDTO'
          description: List of available health insurance plans
      required:
        - marketplace_plans
    MarketplacePlanApplicant:
      type: object
      description: Individual applicant for health insurance coverage
      properties:
        age:
          type: integer
          minimum: 0
          maximum: 120
          description: Age of the applicant
        smoker:
          type: boolean
          description: Whether the applicant is a smoker (affects pricing)
        child:
          type: boolean
          description: Whether the applicant is a child/dependent
      required:
        - age
        - smoker
        - child
    MarketplacePlanHousehold:
      type: object
      description: Household information for subsidy eligibility
      properties:
        household_size:
          type: integer
          minimum: 1
          description: Total number of people in the household
        household_income_in_cents:
          type: integer
          minimum: 0
          description: Annual household income in cents for subsidy calculations
      required:
        - household_size
        - household_income_in_cents
    ExternalProviderDTO:
      type: object
      description: Healthcare provider information for network checks
      properties:
        id:
          type: integer
          description: Provider identifier
        name:
          type: string
          description: Provider name
        type:
          type: string
          description: Type of healthcare provider
        phone:
          type: string
          nullable: true
          description: Provider phone number
        npis:
          type: array
          items:
            type: integer
          description: National Provider Identifier (NPI) numbers
      required:
        - id
        - name
        - type
        - npis
    MarketplacePlanDTO:
      type: object
      description: Health insurance marketplace plan details
      properties:
        id:
          type: string
          format: uuid
          description: Unique plan identifier
        name:
          type: string
          description: Plan name
        carrier_name:
          type: string
          description: Insurance carrier name
        carrier_logo_url:
          type: string
          format: uri
          description: URL to carrier logo image
        plan_type:
          type: string
          description: Type of health plan (HMO, PPO, EPO, etc.)
        level:
          $ref: '#/components/schemas/MarketplacePlanLevelEnum'
        premium:
          type: number
          format: double
          description: Monthly premium amount
        effective_date:
          type: string
          format: date
          description: Plan coverage start date
        expiration_date:
          type: string
          format: date
          description: Plan coverage end date
        individual_medical_deductible_in_network:
          type: number
          format: double
          description: Individual medical deductible for in-network care
        family_medical_deductible_in_network:
          type: number
          format: double
          description: Family medical deductible for in-network care
        individual_medical_out_of_pocket_max_in_network:
          type: number
          format: double
          description: Individual out-of-pocket maximum for in-network care
        family_medical_out_of_pocket_max_in_network:
          type: number
          format: double
          description: Family out-of-pocket maximum for in-network care
        individual_drug_deductible:
          type: number
          format: double
          description: Individual prescription drug deductible
        family_drug_deductible:
          type: number
          format: double
          description: Family prescription drug deductible
        primary_care_physician:
          type: number
          format: double
          description: Primary care physician visit cost
        generic_drugs:
          type: number
          format: double
          description: Generic prescription drug cost
        sbc_url:
          type: string
          format: uri
          description: Summary of Benefits and Coverage (SBC) document URL
        benefits_summary_url:
          type: string
          format: uri
          description: Benefits summary document URL
        drug_formulary_url:
          type: string
          format: uri
          description: Drug formulary (covered medications) document URL
        on_market_in:
          type: boolean
          description: Whether the plan is available on the marketplace
        providers:
          type: array
          items:
            $ref: '#/components/schemas/MarketplacePlanProviderDTO'
          nullable: true
          description: Healthcare providers covered by this plan
      required:
        - id
        - name
        - carrier_name
        - carrier_logo_url
        - plan_type
        - level
        - premium
        - effective_date
        - expiration_date
        - individual_medical_deductible_in_network
        - family_medical_deductible_in_network
        - individual_medical_out_of_pocket_max_in_network
        - family_medical_out_of_pocket_max_in_network
        - individual_drug_deductible
        - family_drug_deductible
        - primary_care_physician
        - generic_drugs
        - sbc_url
        - benefits_summary_url
        - drug_formulary_url
        - on_market_in
    MarketplacePlanLevelEnum:
      type: string
      enum:
        - catastrophic
        - bronze
        - expanded_bronze
        - silver
        - gold
        - platinum
      description: >
        Health insurance plan metal levels indicating coverage richness:

        * `catastrophic` - Catastrophic coverage (lowest cost, highest
        deductible)

        * `bronze` - Bronze level (60% actuarial value)

        * `expanded_bronze` - Enhanced bronze level

        * `silver` - Silver level (70% actuarial value)

        * `gold` - Gold level (80% actuarial value)

        * `platinum` - Platinum level (90% actuarial value, highest coverage)
    MarketplacePlanProviderDTO:
      type: object
      description: Healthcare provider network information for a plan
      properties:
        npi:
          type: integer
          description: National Provider Identifier number
        in_network:
          type: boolean
          description: Whether the provider is in-network for this plan
      required:
        - npi
        - in_network
  securitySchemes:
    partnerApiKey:
      type: apiKey
      in: header
      name: X-Partner-API-Key
      description: Partner API key for external integrations

````