Coverage adequacy score API

Score insurance coverage adequacy 0-100 from a transparent weighted rubric with EXPLICIT weights (coverage ratio 0.60, emergency fund 0.20, debt protection 0.20), returning a rating (well covered → critically underinsured), the coverage gap, and a per-factor breakdown so the score is auditable. Answers 'am I underinsured', 'coverage adequacy score', 'how well am I covered', 'insurance coverage gap'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-coverage-adequacy-score

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancecoverageadequacyscorerubricunderinsuredplanning

API URLhttps://x402.hexl.dev/v1/calc/ins-coverage-adequacy-score

Integration docs

Example request

{
  "currentCoverage": 300000,
  "recommendedCoverage": 500000,
  "emergencyFundMonths": 3,
  "debtToCoverageRatio": 0.3
}

Example response

{
  "method": "coverage-adequacy rubric",
  "adequacyScore": 60,
  "scale": "0-100 (higher = better)",
  "rating": "underinsured",
  "coverageGap": 200000,
  "weights": {
    "coverage": 0.6,
    "emergencyFund": 0.2,
    "debt": 0.2
  },
  "breakdown": [
    {
      "factor": "coverage ratio",
      "value": 0.6,
      "weight": 0.6,
      "contribution": 36
    },
    {
      "factor": "emergency fund",
      "value": 0.5,
      "weight": 0.2,
      "contribution": 10
    },
    {
      "factor": "debt protection",
      "value": 0.7,
      "weight": 0.2,
      "contribution": 14
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "currentCoverage",
    "recommendedCoverage"
  ],
  "properties": {
    "currentCoverage": {
      "type": "number",
      "examples": [
        300000
      ]
    },
    "recommendedCoverage": {
      "type": "number",
      "examples": [
        500000
      ]
    },
    "emergencyFundMonths": {
      "type": "number",
      "examples": [
        3
      ],
      "description": "default 3"
    },
    "debtToCoverageRatio": {
      "type": "number",
      "examples": [
        0.3
      ],
      "description": "0..1, lower is better"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}