{
  "ok": true,
  "status": "documentation",
  "scope": "private_only",
  "name": "SJI private health insurance estimates",
  "message": "For private estimates, ask only for state, adult ages and rating sexes, child count and coverage year. No income or employer-coverage question is needed. No default household has been calculated.",
  "required_inputs": [
    "state",
    "age",
    "sex",
    "kids",
    "year"
  ],
  "input_definitions": {
    "state": {
      "type": "string",
      "enum": [
        "AL",
        "AK",
        "AZ",
        "AR",
        "CA",
        "CO",
        "CT",
        "DE",
        "DC",
        "FL",
        "GA",
        "HI",
        "ID",
        "IL",
        "IN",
        "IA",
        "KS",
        "KY",
        "LA",
        "ME",
        "MD",
        "MA",
        "MI",
        "MN",
        "MS",
        "MO",
        "MT",
        "NE",
        "NV",
        "NH",
        "NJ",
        "NM",
        "NY",
        "NC",
        "ND",
        "OH",
        "OK",
        "OR",
        "PA",
        "RI",
        "SC",
        "SD",
        "TN",
        "TX",
        "UT",
        "VT",
        "VA",
        "WA",
        "WV",
        "WI",
        "WY"
      ],
      "description": "Two-letter state code. This estimate uses state-level rates; a ZIP is not needed."
    },
    "age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 64,
      "description": "Primary adult age."
    },
    "sex": {
      "type": "string",
      "enum": [
        "male",
        "female"
      ],
      "description": "Primary adult sex used by the rate method."
    },
    "kids": {
      "type": "integer",
      "minimum": 0,
      "maximum": 6,
      "description": "Number of children seeking coverage. Use zero only if no children are included."
    },
    "year": {
      "type": "integer",
      "enum": [
        2026,
        2027
      ],
      "description": "Explicit coverage year. The estimate basis is currently 2026; 2027 returns unavailable."
    },
    "spouse_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 64,
      "description": "Optional spouse age. Supply spouse_sex too."
    },
    "spouse_sex": {
      "type": "string",
      "enum": [
        "male",
        "female"
      ],
      "description": "Optional spouse sex used by the rate method. Supply spouse_age too."
    }
  },
  "authentication_required": false,
  "creates_lead": false,
  "links": {
    "calculator": "https://sjiadvisory.com/estimate/private/",
    "instructions": "https://sjiadvisory.com/estimate/private-guide.txt",
    "openapi": "https://sjiadvisory.com/estimate/private-openapi.json",
    "examples": "https://sjiadvisory.com/estimate/private/#rates"
  },
  "example": {
    "hypothetical": true,
    "inputs": {
      "state": "FL",
      "age": 34,
      "sex": "male",
      "kids": 0,
      "year": 2026
    },
    "readable_result": "https://sjiadvisory.com/estimate/private-result?state=FL&age=34&sex=male&kids=0&year=2026",
    "json_result": "https://sjiadvisory.com/api/private-estimate?state=FL&age=34&sex=male&kids=0&year=2026"
  }
}