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HealthInsurance.help: 2027 ACA subsidy, Medicaid and COBRA math

help.healthinsurance/healthinsurance-helphealthinsurance.helpstreamable-httpv1.2026.1101.0Scanned

2027 ACA subsidy estimates, Medicaid/CHIP limits, COBRA vs marketplace math.

6 tools: 2 change things and 4 only read.

Tools: 0 delete, 0 irreversible, 2 write, 4 read.
  • Reads private data · 1
  • Reads text others write · 1
  • Can send data out · 0
  • No findings

Tools listed without sign-in. Remote posture

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2 of these tools change something. Run those as governed actions.

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Tools

Grouped by what each tool does, most consequential first. Open one for its reasons and full description; descriptions are the publisher's own words.

6 tools

Changes things 2Claude Code: ask
  • estimate_premium_tax_creditEstimates a household's 2027 ACA premium tax credit the way the site's subsidy calculator does: poverty-line percentage, IRS applicable percentage (Rev.No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    • The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
    Description, as the server wrote it
    Estimates a household's 2027 ACA premium tax credit the way the site's subsidy calculator does: poverty-line percentage, IRS applicable percentage (Rev. Proc. 2026-26), expected monthly contribution, the age-rated benchmark silver premium for the county, the monthly credit, net cost of the lowest bronze, silver and gold plans, the 400% cliff, and a per-person income screen for Medicaid, CHIP or a Basic Health Program. An estimate, not an eligibility decision.

    Annotations the server declares

    • title: Estimate a 2027 marketplace premium tax credit
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • estimate_tax_credit_repaymentForm 8962 in miniature for tax year 2026 (returns filed in 2027), for a full year with the same household and plan: the premium tax credit allowed on final income versus the advanc…No findings

    Why it is in this group

    • Nothing in its name or description says what it does, so it is counted as a write.
    • The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
    Description, as the server wrote it
    Form 8962 in miniature for tax year 2026 (returns filed in 2027), for a full year with the same household and plan: the premium tax credit allowed on final income versus the advance payments on Form 1095-A, and the excess to repay (no repayment cap from 2026) or the extra credit to claim.

    Annotations the server declares

    • title: Estimate 2026 premium tax credit repayment (Form 8962)
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
Only reads 4Show 4 read-only tools
  • compare_cobra_vs_marketplaceCompares the total cost of staying on COBRA with switching to a marketplace plan for the months you need coverage: premiums plus expected out-of-pocket costs, including the deducti…No findings

    Why it is in this group

    • The name "compare_cobra_vs_marketplace" says "compare": a word for reading.
    Description, as the server wrote it
    Compares the total cost of staying on COBRA with switching to a marketplace plan for the months you need coverage: premiums plus expected out-of-pocket costs, including the deductible reset when switching mid-year. Give the marketplace premium, or state, county, ages and income to estimate it as the benchmark silver plan after the 2027 credit.

    Annotations the server declares

    • title: Compare COBRA with a marketplace plan
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • get_county_plan_pricesMonthly premiums before any credit from CMS's plan file for a county in a HealthCare.gov state: the benchmark (second-lowest-cost silver) and the lowest bronze, silver and gold pla…Reads private dataNo findings

    Why it is in this group

    • The name "get_county_plan_prices" says "get": a word for reading.

    What it can reach

    • private-dataThe description's first sentence says "file": it reads files.
    Description, as the server wrote it
    Monthly premiums before any credit from CMS's plan file for a county in a HealthCare.gov state: the benchmark (second-lowest-cost silver) and the lowest bronze, silver and gold plan for a 40-year-old non-smoker, number of insurers and plans, and the same prices age-rated for the ages you give. Omit county for the state's range (median, lowest and highest benchmark).

    Annotations the server declares

    • title: Benchmark and lowest marketplace prices for a county
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • get_medicaid_chip_limitsA state's Medicaid, CHIP and Basic Health Program income limits as a percent of the poverty line and in 2026 dollars per month and per year for a household size, by group (adults, …No findings

    Why it is in this group

    • The name "get_medicaid_chip_limits" says "get": a word for reading.
    Description, as the server wrote it
    A state's Medicaid, CHIP and Basic Health Program income limits as a percent of the poverty line and in 2026 dollars per month and per year for a household size, by group (adults, parents, pregnancy, children by age, CHIP). With an income, also says which limits it is under. A screen of published limits, not an eligibility decision.

    Annotations the server declares

    • title: Medicaid and CHIP income limits for a state
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • get_state_marketplace_factsFor one state: where to enroll (HealthCare.gov or the state exchange, with its URL), 2027 open enrollment start and end dates and the last day for January 1 coverage, Medicaid expa…Reads text others writeNo findings

    Why it is in this group

    • The name "get_state_marketplace_facts" says "get": a word for reading.

    What it can reach

    • untrusted-inputThe description's first sentence says "url": it reads web pages, which anyone can write.
    Description, as the server wrote it
    For one state: where to enroll (HealthCare.gov or the state exchange, with its URL), 2027 open enrollment start and end dates and the last day for January 1 coverage, Medicaid expansion status, any state coverage mandate and penalty, state premium help programs, the 2027 average rate change where the regulator published one, and short-term plan rules.

    Annotations the server declares

    • title: 2027 marketplace facts for a state
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Exfil surface

Which tools read private data, which read text someone else can write, and which can send data out. One of each is a path a prompt injection can use.

No private-data, untrusted-input, outbound path in this server alone: no tool is tagged outbound.

Reads private data1
Reads files, mail, messages, databases, secrets, calendars or repositories.
Reads text others write1
Brings in text someone else can write: web pages, inbound email, messages, issues and comments.
Can send data out0
Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL.

Other servers in the same agent add their own tools to these paths. Audit your whole setup to see them together.

Remote posture

What anyone on the internet sees at the remote endpoint: an anonymous initialize and tools/list, and the public OAuth metadata.

Tools listed without sign-in

Looked at Nov 2, 2026, 00:19 UTC, unchanged since Nov 2, 2026. No credentials were sent and no tool was called. What is looked at.

Reachable
yes
HTTP status of an anonymous initialize
200
tools/list served without credentials
yes
Tools that change things, listed without credentials
2
Protocol version
2025-06-18
WWW-Authenticate on 401
not observed
resource_metadata in WWW-Authenticate
not observed
RFC 9728 protected resource metadata
not observed
Authorization servers
not observed
Legacy HTTP+SSE transport
no
Dynamic client registration
not observed
Client ID metadata documents
not observed
  • WarnThe whole server

    The endpoint served tools/list without credentials, and the list has 2 tools that change things (2 write). Whether a call also works without credentials was not tested: tools are never called.

    Matched text

    https://healthinsurance.help/mcp: tools/list returned 6 tools to an anonymous client, including estimate_premium_tax_credit (write), estimate_tax_credit_repayment (write)

    What this check looks for

Findings

Matches of fixed checks, with the text they matched.

No check matched anything in these tool definitions. That is not a safety guarantee.

History

Changes to its tool definitions and to its remote endpoint, newest first.

No change seen yet. Its tools are rescanned every day, and a remote endpoint is looked at once a week.

All changes to this server

Install

Pinned to version 1.2026.1101.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http healthinsurance-help https://healthinsurance.help/mcp
claude mcp add --transport http healthinsurance-help https://healthinsurance.help/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change or a way out, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json
{
  "permissions": {
    "allow": [
      "mcp__healthinsurance-help__get_county_plan_prices",
      "mcp__healthinsurance-help__get_medicaid_chip_limits",
      "mcp__healthinsurance-help__compare_cobra_vs_marketplace",
      "mcp__healthinsurance-help__get_state_marketplace_facts"
    ],
    "ask": [
      "mcp__healthinsurance-help__estimate_premium_tax_credit",
      "mcp__healthinsurance-help__estimate_tax_credit_repayment"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. A read that can send data out (it takes a URL, say) asks first too. It assumes the server is installed as healthinsurance-help. Review it before you use it.

Capability tags behind 2 rules
  • mcp__healthinsurance-help__get_county_plan_prices private-data
  • mcp__healthinsurance-help__get_state_marketplace_facts untrusted-input

Pin

Keep the decision: fail CI when the tools change, follow every change, or show a badge.

Pin in CI

Fail a build when the tools you reviewed are not the tools the server serves today.

curl -s "https://anlyon.dev/api/v1/servers/help.healthinsurance/healthinsurance-help/verify?hash=fd72c22f8d281c912ddba20a017a8c1a44e3acdb73fa2cc7240a75fac4ab81b0" | jq -e '.changed == false'

Pinned hash fd72c22f8d28, from Nov 1, 2026, 22:18 UTC.

Watch

Get told when its tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/help.healthinsurance/healthinsurance-help/changes.xml

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Badge

anlyon.dev badge for help.healthinsurance/healthinsurance-help
[![anlyon.dev](https://anlyon.dev/badge/help.healthinsurance/healthinsurance-help.svg)](https://anlyon.dev/servers/help.healthinsurance/healthinsurance-help)

Source: MCP Registry. Synced Nov 1, 2026, 23:17 UTC.