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v1

latestOpenAPI 3.1.02026-07-22191956.7 KB
Quotes

Create a quote

Rates the stored census and returns a complete quote synchronously. Deterministic: the same census, start date, and pricing configuration always produce the same numbers. Groups above the in-review threshold (default 200 employees) return status: in_review and are finalized by underwriting (webhook quote.finalized). Quotes expire per configuration (default 30 days). Rate limit: 60 quote creates per hour. All quotes are indicative pending underwriting confirmation.

post/groups/{groupId}/quotes

Path parameters

groupIdstring required

Group ID, e.g. grp_8c2f41d09a3e.

Headers

Idempotency-Keystring

Any unique string (UUIDs work well). Replaying the same key within 24 hours returns the stored response instead of re-executing the request.

Request body

planYearStartDatestring date

Defaults to the first of the month at least 60 days out.

priorPepmCentsinteger

Savings baseline override. Defaults to group.currentCoverage.pepmCents.

Example request

{
  "planYearStartDate": "2026-09-01",
  "priorPepmCents": 80000
}

Response

The quote.

idstring required
groupIdstring required
mode'test' | 'live' required
status'ready' | 'in_review' | 'expired' required

ready for most groups (synchronous). Groups above the in-review employee threshold (default 200) return in_review and are finalized by Prescience underwriting; listen for the quote.finalized webhook.

pricingBasis'indicative' required

Always indicative: rates are indicative pending underwriting confirmation and bind only at enrollment plus underwriting sign-off.

planYearStartDatestring date required
expiresAtstring date-time required

Expiry is configuration-driven; the default window is 30 days after creation. Enrolling against an expired quote returns 410 quote_expired.

assumptionsstring[] required
createdAtstring date-time required

Example response

{
  "id": "qt_5b9e2c7f10ad",
  "groupId": "grp_8c2f41d09a3e",
  "plan": {
    "id": "diamond",
    "name": "Prescience Diamond"
  },
  "planYearStartDate": "2026-09-01",
  "census": {
    "employees": 12,
    "coveredLives": 19
  },
  "monthly": {
    "totalCents": 660096,
    "pepmCents": 55008
  },
  "annual": {
    "totalCents": 7921152
  },
  "comparison": {
    "priorPepmCents": 80000,
    "savingsMonthlyCents": 299904,
    "savingsAnnualCents": 3598848,
    "savingsPct": 31
  },
  "fundingBreakdown": {
    "expectedClaimsPct": 78,
    "stopLossPct": 12,
    "careNavigationPct": 10
  }
}