| 400 | invalid_request | Validation failed; see details. A body that is not valid JSON also returns this. | Fix the listed fields and retry. |
| 401 | unauthorized | Missing, malformed, or revoked API key. | Check the Authorization: Bearer header and the key’s status. |
| 403 | live_mode_disabled | Live key used before live mode is enabled for your account. | Stay on psk_test_ until the go-live checklist is complete. |
| 403 | forbidden | Your partner account is suspended, or your partner type or API key can’t call this endpoint (a broker key on an HR-platform endpoint, or the reverse; a narrowed key outside its scope). | Check with your partner engineer. See Broker account setup. |
| 404 | not_found | No such resource in this mode: test keys can’t see live resources, and account, members, and benefits-summary return 404 until enrollment. | Check the ID, the key’s mode, and the group’s lifecycle stage. |
| 409 | conflict | The request conflicts with the resource’s current state. See Conflicts. | Read message, fetch the resource, and reconcile. |
| 409 | rates_pending | POST /quotes before the census-triggered market comparison has finished. | Wait for group.market_rates_ready, or retry with backoff. |
| 410 | quote_expired | The quote has passed its expiresAt. | Create a new quote and retry with its ID. |
| 422 | market_unavailable | POST /quotes when the group’s market cannot be priced: no quotable employees, no platinum PPO, no HSA-eligible PPO, EPO or POS, or the market comparison failed (group.market_rates_failed). | Do not retry. Prescience reviews the group. |
| 422 | census_required | POST /enrollments when the census has no active employees to enroll. | PUT /census with at least one active employee first. |
| 429 | rate_limited | Rate limit exceeded. Retry-After header included. | Back off per Rate limits. |
| 500 | server_error | Failure on our side. | Retry with the same Idempotency-Key where the endpoint supports one. |
| 503 | not_configured | A required backing service is unavailable in this environment; we fail closed rather than partially. | Retry with backoff; contact your partner engineer if it persists. |