Changelog

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Market-rate plan reveal

• PUT /groups/{groupId}/census now starts the local market comparison and returns census acceptance results only.
• POST /groups/{groupId}/embed-sessions creates the separate 30-minute iframe URL when the employer opens the offer.
• Current quotes use pricingBasis: "market_rates" and compare Prescience against the selected local platinum PPO benchmark.
• Census submissions may include up to six dependents per employee. When dependent elections are unavailable, the quote discloses the normalized household mix it used.

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Partner API v1.1

• POST /groups/{groupId}/enrollments accepts onboardingMode: "hosted" | "embedded" (default hosted). On the hosted pathway, Prescience provisions the enrollment signatory as an employer portal admin and runs onboarding, KYB, banking, and plan setup in the Prescience employer portal.
• Enrollment responses now carry onboardingMode and, when the signatory was provisioned, an employerPortal object (provisioned, signinUrl, inviteSuppressed).
• Embedded onboarding schemas are available for integrations that use that pathway.

• Test mode never sends outbound email. Portal accounts are still provisioned and the response reports employerPortal.inviteSuppressed: true.

• Quote responses gain an additive pricing object (source, updatedAt) naming the rate-card layer that priced the quote.
• Quote expiry and the underwriting in-review employee threshold are now rate-card driven; the defaults are unchanged (30 days, 200 employees).

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Partner API v1

• POST /groups, GET /groups, GET/PATCH /groups/{groupId}: employer groups with lifecycle (created → census_received → quoted → enrolled → active)
• PUT/GET /groups/{groupId}/census: full-census replace with per-row errors; upsert by email/externalId; up to 10,000 members
• POST /groups/{groupId}/quotes: synchronous, deterministic quotes with tier breakdowns and prior-cost comparison; in_review flow for groups over 200 employees
• POST /groups/{groupId}/enrollments: provisioning into the onboarding pipeline (sandbox → prod state machine)

• GET /plans: static plan metadata, plan facts, assets, and disclaimers
• GET /groups/{groupId}/account: aggregate, de-identified employer account data covering funding, premium breakdown, spend categories with k-anonymity suppression, and savings
• GET /groups/{groupId}/members: enrollment roster with invitation status and COBRA

• POST /groups/{groupId}/members, PATCH /groups/{groupId}/members/{memberId}: new hires, updates, terminations with COBRA handling; post-enrollment changes propagate to the live census

• Bearer-key auth with psk_test_ / psk_live_ modes and full mode isolation
• Signed webhooks (standard-webhooks scheme): ping, quote.finalized, enrollment.created, group.state_changed, census.processed
• Idempotency-Key support on all POST/PUT endpoints (24h replay)
• Rate limits: 120 req/min, census writes 20/min, quotes 60/hour, with Retry-After