What to look at after a loss of job-based coverage or a change in coverage
What to look at after a loss of job-based coverage or a change in coverage: COBRA alternatives, self-employed options, special enrollment windows, Medicaid eligibility, the 2027 Medicaid work requirement with state start dates where state guides give them, Medicare Savings Program limits, free clinics, and helpline numbers. Quoted from 29 published guides with source links.
Answeringour last check, 2026-10-31
2 of 2checks answered this week
26 msmedian answer time
$0.02listed price per call
$0.02price it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
GET https://api.findmydirectdoctor.com/v1/coverage/transitions
| Category | Everything else |
|---|---|
| Provider host | api.findmydirectdoctor.com |
| Networks | eip155:8453 |
| Payment schemes | exact |
| Self-reported calls, 30 days | 1 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
| Day | Result | HTTP | Asked | Time |
|---|---|---|---|---|
| 2026-10-31 | valid payment request | 402 | $0.02 | 26 ms |
| 2026-10-29 | valid payment request | 402 | $0.02 | 26 ms |
Example input (from the provider)
{
"method": "GET",
"queryParams": {
"topic": "job-loss"
},
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"properties": {
"limit": {
"default": 10,
"description": "With topic=helplines only: results to return.",
"maximum": 25,
"minimum": 1,
"type": "integer"
},
"q": {
"description": "With topic=helplines only: words that must appear in the helpline's name or purpose.",
"maxLength": 120,
"type": "string"
},
"state": {
"description": "2-letter state code or name. With topic=work-requirement adds that state's Medicaid work-rule start date from its guide. With topic=helplines narrows to that state.",
"maxLength": 40,
"type": "string"
},
"topic": {
"description": "The situation or program: job-loss, cobra-alternatives, no-job, self-employed, high-deductible-vs-cash, no-insurance-basics, mandate-penalty, work-requirement, medicare-savings, medicaid-eligibility, how-to-apply, medicaid-card, medicaid-pregnancy, coverage-gap, nursing-home, assisted-living, medicaid-transportation, family-caregivers, katie-beckett, medicaid-vs-medicare, medi-cal-name, community-health-centers, sliding-scale-clinics, free-clinics, clinic-types-compared, find-medicaid-doctor, telehealth, walk-in-clinic, addiction-treatment, helplines; a guide slug (including the 20 program guides) or plain words.",
"maxLength": 120,
"minLength": 1,
"type": "string"
}
},
"required": [
"topic"
],
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"properties": {
"credit": {
"description": "Physician-reviewed, FindMyDirectDoctor Foundation",
"type": "string"
},
"data_as_of": {
"type": "string"
},
"disclaimer": {
"type": "string"
},
"facts": {
"items": {
"properties": {
"quote": {
"type": "string"
},
"section": {
"type": "string"
},
"source_url": {
"type": [
"string",
"null"
]
}
},
"type": "object"
},
"type": "array"
},
"federal_items": {
"items": {
"description": "Federal rule items with quotes.",
"type": "object"
},
"type": "array"
},
"guide": {
"description": "The guide the answer comes from.",
"properties": {
"last_reviewed": {
"type": "string"
},
"slug": {
"type": "string"
},
"title": {
"type": "string"
},
"url": {
"type": "string"
}
},
"required": [
"slug",
"title",
"url",
"last_reviewed"
],
"type": "object"
},
"guide_url": {
"description": "Public page of the guide.",
"type": "string"
},
"helplines": {
"items": {
"description": "A phone number with the sentence that names it.",
"type": "object"
},
"type": "array"
},
"key_items": {
"items": {
"description": "A labeled fact with its quote.",
"type": "object"
},
"type": "array"
},
"last_reviewed": {
"description": "Review date of the guide (YYYY-MM-DD).",
"type": "string"
},
"lists": {
"items": {
"properties": {
"items": {
"items": {
"type": "string"
},
"type": "array"
},
"section": {
"type": "string"
}
},
"type": "object"
},
"type": "array"
},
"programs": {
"items": {
"description": "Program limits with quotes.",
"type": "object"
},
"type": "array"
},
"query": {
"description": "The request as understood, with the guide it matched.",
"type": "object"
},
"quick_answer": {
"type": "string"
},
"source": {
"type": "string"
},
"sources": {
"items": {
"properties": {
"publisher": {
"type": "string"
},
"url": {
"type": "string"
}
},
"type": "object"
},
"type": "array"
},