Getting Started

Introduction

The HealthSherpa ONE API gives agencies, technology partners, and AI-native builders seamless access to the individual health insurance market. Built on the same infrastructure that powers millions of enrollments today, this API streamlines quoting, enrollment handoff, and—for approved partners—direct application lifecycle workflows across on- and off-exchange ACA plans.

For agencies and brokers

The API enables agencies and brokers to programmatically:

  • Retrieve accurate on- and off-exchange ACA plan quotes for all 50 states and D.C.
  • Resolve ZIP codes to county and FIPS data before rating
  • Filter plans by issuer and search providers by name near a ZIP code
  • Send clients into agent-assisted HealthSherpa shopping and enrollment flows with prefilled household data

By integrating with HealthSherpa ONE, agencies can connect once to a CMS-trusted platform instead of maintaining separate carrier and marketplace integrations.

If you’re building with an AI assistant or coding agent, see Vibe coding for secure prompts and integration patterns.

For technology partners

The API supports partners who need programmatic enrollment beyond quoting:

  • Launch self-service on-exchange enrollment sessions for hosted browser flows
  • Create, update, submit, and track off-exchange applications through the direct enrollment API
  • Upload supporting documentation, retrieve payment redirects, and manage application lifecycle events

Partners can start with public quoting immediately after signup and request additional capabilities through the developer portal when workflows require review.

Supported features

The API currently supports:

ACA quoting

POST /v1/quotes returns personalized plan and premium results for on- or off-exchange medical coverage, including issuer, pricing, plan details, document links, and api_enrollable for direct enrollment eligibility at quote time.

Reference data

GET /v1/reference/counties, GET /v1/reference/issuers, and GET /v1/reference/providers help you prepare quote and enrollment requests with the right geography, issuer filters, and provider identifiers.

On-exchange enrollment sessions

POST /v1/enrollment-sessions returns HealthSherpa-hosted deeplinks for agent-assisted or self-service browser flows. Approval is required before use.

Off-exchange enrollment API

/v1/enrollments supports the full off-exchange application lifecycle for approved partners—create, read, update, submit, cancel, terminate, payment redirect, and supporting documentation. Approval is required before use.

Compliance and infrastructure

HealthSherpa is a CMS Enhanced Direct Enrollment (EDE) entity with more than ten years of ACA infrastructure experience. The same compliance, privacy, and data integrity standards underpin HealthSherpa ONE, giving partners a single connection to carrier workflows instead of thousands of discrete integrations.

Public quoting APIs are available immediately upon signup. Additional enrollment capabilities may require review for compliance and market rules. See Onboarding for access requests.