{"uid":"cap_yxwi_5psGB8EMHS10bxqY","slug":"findmydirectdoctor-coverage-transitions-guide-api-671cf06d","name":"FindMyDirectDoctor Coverage Transitions Guide API","description":"What to look at after a loss of job-based coverage or a change in coverage: COBRA alternatives, self-employed options, special enrollment windows, Medicaid eligibility, the 2027 Medicaid work requirement with state start dates where state guides give them, Medicare Savings Program limits, free clinics, and helpline numbers. Quoted from 29 published guides with source links.","url":"https://api.findmydirectdoctor.com/v1/coverage/transitions?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["topic"],"properties":{"q":{"type":"string","maxLength":120,"description":"With topic=helplines only: words that must appear in the helpline's name or purpose."},"limit":{"type":"integer","default":10,"maximum":25,"minimum":1,"description":"With topic=helplines only: results to return."},"state":{"type":"string","maxLength":40,"description":"2-letter state code or name. With topic=work-requirement adds that state's Medicaid work-rule start date from its guide. With topic=helplines narrows to that state."},"topic":{"type":"string","maxLength":120,"minLength":1,"description":"The situation or program: job-loss, cobra-alternatives, no-job, self-employed, high-deductible-vs-cash, no-insurance-basics, mandate-penalty, work-requirement, medicare-savings, medicaid-eligibility, how-to-apply, medicaid-card, medicaid-pregnancy, coverage-gap, nursing-home, assisted-living, medicaid-transportation, family-caregivers, katie-beckett, medicaid-vs-medicare, medi-cal-name, community-health-centers, sliding-scale-clinics, free-clinics, clinic-types-compared, find-medicaid-doctor, telehealth, walk-in-clinic, addiction-treatment, helplines; a guide slug (including the 20 program guides) or plain words."}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["query","credit","data_as_of"],"properties":{"facts":{"type":"array","items":{"type":"object","properties":{"quote":{"type":"string"},"section":{"type":"string"},"source_url":{"type":["string","null"]}}}},"guide":{"type":"object","required":["slug","title","url","last_reviewed"],"properties":{"url":{"type":"string"},"slug":{"type":"string"},"title":{"type":"string"},"last_reviewed":{"type":"string"}},"description":"The guide the answer comes from."},"lists":{"type":"array","items":{"type":"object","properties":{"items":{"type":"array","items":{"type":"string"}},"section":{"type":"string"}}}},"query":{"type":"object","description":"The request as understood, with the guide it matched."},"credit":{"type":"string","description":"Physician-reviewed, FindMyDirectDoctor Foundation"},"source":{"type":"string"},"sources":{"type":"array","items":{"type":"object","properties":{"url":{"type":"string"},"publisher":{"type":"string"}}}},"programs":{"type":"array","items":{"type":"object","description":"Program limits with quotes."}},"guide_url":{"type":"string","description":"Public page of the guide."},"helplines":{"type":"array","items":{"type":"object","description":"A phone number with the sentence that names it."}},"key_items":{"type":"array","items":{"type":"object","description":"A labeled fact with its quote."}},"data_as_of":{"type":"string"},"disclaimer":{"type":"string"},"quick_answer":{"type":"string"},"federal_items":{"type":"array","items":{"type":"object","description":"Federal rule items with quotes."}},"last_reviewed":{"type":"string","description":"Review date of the guide (YYYY-MM-DD)."},"state_work_rule":{"type":"object","description":"The state guide's work-rule status and start date, with its quote."}}}}}}},"responseSchema":{"type":"json","example":{"facts":[{"quote":"You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.","section":"quick answer","source_url":null}],"guide":{"url":"https://findmydirectdoctor.org/guides/lost-job-lost-insurance/","slug":"lost-job-lost-insurance","title":"Lost your job and your health insurance? What to do this week","last_reviewed":"2026-10-10"},"lists":[{"items":["You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.","You usually pay the full premium, which is the whole monthly price. That includes the part your employer used to pay, plus up to 2 percent more, so it is often a big jump in cost."],"section":"Step 4. Learn how COBRA works"}],"query":{"topic":"job-loss","matched_by":"alias","matched_slug":"lost-job-lost-insurance"},"topic":"job-loss","credit":"Physician-reviewed, FindMyDirectDoctor Foundation","source":"FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)","related":[{"url":"https://findmydirectdoctor.org/guides/high-deductible/","slug":"high-deductible"}],"sources":[{"url":"https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/","publisher":"healthcare.gov"}],"guide_url":"https://findmydirectdoctor.org/guides/lost-job-lost-insurance/","key_items":[{"days":60,"label":"marketplace_special_enrollment_window","quote":"You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.","guide_url":"https://findmydirectdoctor.org/guides/lost-job-lost-insurance/","guide_slug":"lost-job-lost-insurance","source_url":null},{"days":60,"label":"elect_cobra_and_first_payment","quote":"You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.","guide_url":"https://findmydirectdoctor.org/guides/lost-job-lost-insurance/","guide_slug":"lost-job-lost-insurance","source_url":null}],"data_as_of":"2026-10-02","disclaimer":"General information quoted from published guides. Not medical, legal or tax advice. In an emergency call 911.","quick_answer":"You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan. You can apply for Medicaid any time of year. COBRA lets you keep your old plan, but you usually pay the full cost. In the meantime, keep taking your medicines and find a doctor you can afford.","last_reviewed":"2026-10-10"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_wR-jrd-fEZSnfI01r1pRj","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns physician-reviewed, sourced facts and structured information about health coverage options and transitions, including COBRA, Medicaid, Medicare Savings Programs, special enrollment, and free clinics, based on a topic query.","exampleAgentPrompt":"I just got laid off and lost my employer health insurance — can you look up what my options are for the job-loss topic, including COBRA alternatives and the marketplace special enrollment window, using the FindMyDirectDoctor coverage guide?","exampleUseCases":[{"title":"Job loss coverage options research","prompt":"I just lost my job and my health insurance with it — what are my coverage options right now? Look up the job-loss topic and tell me about COBRA, marketplace enrollment windows, and Medicaid eligibility."},{"title":"State Medicaid work requirement deadline","prompt":"Can you check the Medicaid work requirement rules for Texas? I want to know when the work requirement starts in that state and what it means for eligibility."},{"title":"Finding free clinics with no insurance","prompt":"I have no health insurance and can't afford a doctor visit — can you find me information on free clinics and sliding-scale options, including any helpline numbers I can call for help?"}],"resultDescription":"A JSON object containing: quoted facts from physician-reviewed guides with section labels and source URLs, structured key_items with day-count deadlines and labels, a guide object (title, slug, URL, last_reviewed date), related guide slugs, external source citations, a credit and disclaimer, and data_as_of timestamp. For helplines topics, returns a filtered list of helpline names and contact details.","failureModes":["Missing required 'topic' parameter returns a 400 error","Unrecognized topic slug may return empty facts array or fall back to plain-word matching","State code provided for non-state-aware topics is silently ignored","q and limit parameters are only respected for topic=helplines; ignored otherwise","Guide content may be dated if data_as_of is stale relative to policy changes","Truncated response schema may omit some fields in edge cases"],"whenToPreferThis":"Choose this endpoint when an agent needs authoritative, sourced, human-readable facts about US health coverage transitions — especially job loss, COBRA, Medicaid, Medicare Savings Programs, or free clinics — and wants pre-extracted key deadlines (day counts) with source links. Prefer over a general web search when structured, physician-reviewed, consistently formatted output with citation URLs is needed. Best for agents building coverage-decision workflows, answering user questions about insurance options, or surfacing deadline-critical information like 60-day enrollment windows.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T18:40:49.693Z","isFirstParty":false,"canonicalSlug":"findmydirectdoctor-coverage-transitions-guide-api-671cf06d"}