# SJI private health insurance estimates for AI assistants

Use this route when someone wants private, non-Marketplace estimates. No income, employer coverage, ZIP, contact details, medical history, login or API key is needed. The calculation creates no lead and makes no CMS request.

Calculator and dated rate table: https://sjiadvisory.com/estimate/private/
GET discovery and calculation: https://sjiadvisory.com/api/private-estimate
Readable result: https://sjiadvisory.com/estimate/private-result
Specification: https://sjiadvisory.com/estimate/private-openapi.json

Required: state (two-letter code), age (18–64), sex (male/female for rating), kids (0–6), year (2026 or 2027). Optional: spouse_age and spouse_sex, together. Ask for missing inputs; do not treat an example as the user's household. No spouse fields means no spouse included.

Hypothetical example: Florida man age 34, no spouse or children, 2026:
https://sjiadvisory.com/estimate/private-result?state=FL&age=34&sex=male&kids=0&year=2026
https://sjiadvisory.com/api/private-estimate?state=FL&age=34&sex=male&kids=0&year=2026

GET accepts URL parameters. POST accepts the same flat JSON fields, Content-Type application/json, maximum 4096 bytes. A bare GET returns definitions instead of assuming a household. Income and employer fields are rejected because this route does not need them. Use https://sjiadvisory.com/estimate/ for a Marketplace comparison if the user wants one.

Interpretation:
- status available means a rough private estimate, not issued coverage. status unavailable has no prices: never turn it into zero.
- private.low_monthly_usd and high_monthly_usd are the range. pricing_levels contains three labeled monthly estimates when supported; tiers_monthly_usd contains their amounts.
- Pricing levels do not establish a named insurer, policy, PPO network, deductible or benefit package. Do not label a tier comprehensive, better coverage, or best fit from price alone.
- When three tiers are unavailable, including CT, MN and NY and some age/household combinations, results use a derived range with empty pricing_levels and null tiers_monthly_usd. Do not invent three plans for these states.
- State-level estimate basis is 2026. Requested 2027 returns unavailable. Only Sam's licensed states return prices.
- Adults are assumed non-tobacco-using and medically eligible, subject to underwriting. Children use a flat allowance in the private estimate method.
- Cite citation.url, SJI Advisory, household assumptions, requested_plan_year, private.estimate_basis_year and calculated_at. GET/result URLs contain household inputs; share accordingly. POST keeps inputs out of the request URL, but returned links still contain them.
- The dated Florida table is a set of hypothetical examples, not averages or current personalized quotes. Follow each Calculate link for a fresh calculation; the estimate basis may still be 2026.
- Actual benefits, exclusions, prescriptions, provider networks, pre-existing-condition rules and coverage type require plan documents and review.

Homepage engine and this tool share one private calculation. No special bot-only prices are served. Result pages are noindex,follow and private,no-store; the guide and main calculator are public and indexable. Raw private rate tables stay server-side.