Quotes

POST /groups/{groupId}/quotes prices Prescience Diamond from the stored census and the group’s latest market-rate snapshot.

Before creating a quote

Replacing the census starts a market comparison. If the comparison is still running, quote creation returns:

Response (409)

{
  "error": {
    "code": "rates_pending",
    "message": "Market rates are still being prepared for this group."
  }
}

Retry with backoff. The Bolto iframe manages this state automatically and displays the sweep progress to the employer.

Create a quote

No prior-plan cost is needed. This works for a first-time employer with no coverage history: Prescience compares Diamond with the group’s current local platinum PPO benchmark.

curl -X POST https://www.getprescience.com/api/partner/v1/groups/grp_8c2f41d09a3e/quotes \
  -H "Authorization: Bearer $PRESCIENCE_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "planYearStartDate": "2026-11-01" }'

Field	Type	Default	Use
`planYearStartDate`	`YYYY-MM-DD`	First of the month at least 60 days out	Align to the employer’s renewal.

priorPepmCents is a legacy, optional input. New integrations should omit it; it is not required to create a quote and is not the market-rate savings baseline. A quote also requires at least one active, quotable employee with a ZIP and dob or age. Otherwise the API returns 422 census_required.

Pricing basis and comparison

{
  "status": "ready",
  "pricingBasis": "market_rates",
  "monthly": { "totalCents": 660096, "pepmCents": 34742 },
  "annual": { "totalCents": 7921152 },
  "comparison": {
    "savingsMonthlyCents": 180000,
    "savingsAnnualCents": 2160000,
    "savingsPct": 20
  }
}

monthly.totalCents is the modeled monthly employer cost.
monthly.pepmCents is the modeled cost per covered life, not per employee.
comparison measures the model against the platinum PPO selected as the market benchmark.
Savings never exceed the configured target. If the pricing solve cannot safely reach that target, it returns the lower feasible savings or routes the quote to review.

Dollar values above are illustrative. Do not hard-code them in an integration test.

Census and household assumptions

When the census includes dependents, the submitted household composition drives covered lives and coverage tiers. When no dependent elections are available, Prescience uses a stable normalized small-group mix instead of treating the entire company as employee-only.

{
  "census": {
    "employees": 12,
    "coveredLives": 19,
    "tiers": {
      "employeeOnly": 7,
      "employeeSpouse": 2,
      "employeeChildren": 1,
      "family": 2
    }
  },
  "assumptions": [
    "Dependent elections were not supplied, so this preliminary model uses a normalized small-group household mix."
  ]
}

Preserve assumptions anywhere the price is displayed. Material census or dependent changes require a new market comparison and quote.

Preliminary status

All displayed pricing is preliminary. Final pricing, eligibility, network availability, and plan documents are confirmed during underwriting and onboarding. Do not describe an API quote as binding or guaranteed. Quotes expire after the configured window, 30 days by default. Enrolling an expired quote returns 410 quote_expired; create a fresh quote.

Quotes in review

A quote can return status: "in_review" when the pricing solve needs Prescience review or the group crosses the configured threshold. Show a Pricing in final review state instead of presenting held numbers as final. The quote.finalized webhook fires when review completes; then re-fetch the quote.

Listing and re-fetching

GET /groups/{groupId}/quotes lists quotes newest first.
GET /groups/{groupId}/quotes/{quoteId} returns one quote.

Each re-quote creates a new record, preserving the pricing history. Store and display the returned values rather than reimplementing the pricing solve.

Get Started

Guides

Resources

Before creating a quote

Create a quote

Pricing basis and comparison

Census and household assumptions

Preliminary status

Quotes in review

Listing and re-fetching

​Before creating a quote

​Create a quote

​Pricing basis and comparison

​Census and household assumptions

​Preliminary status

​Quotes in review

​Listing and re-fetching

Before creating a quote

Create a quote

Pricing basis and comparison

Census and household assumptions

Preliminary status

Quotes in review

Listing and re-fetching