{"openapi":"3.1.0","info":{"title":"InsureGlossary API","version":"0.1.0","description":"An insurance-literacy toolkit: a 48-term glossary across auto, home, health, and life insurance, a real out-of-pocket cost calculator modeling the deductible + coinsurance + out-of-pocket-max waterfall, and a policy-type comparison reference — computed locally, zero upstream calls.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://insureglossary.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/insureglossary/docs"},"termsOfService":"https://connectorbay.com/insureglossary/terms"},"servers":[{"url":"https://insureglossary.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/insureglossary/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/insurance_glossary":{"post":{"operationId":"insurance_glossary","summary":"Definitions of 48 insurance terms across general, auto, home, health, and life insurance (premium,","description":"Definitions of 48 insurance terms across general, auto, home, health, and life insurance (premium,\n    deductible, copay, coinsurance, out-of-pocket max, actual cash value vs replacement cost, umbrella,\n    rider, exclusion, subrogation, HMO vs PPO, term vs whole life, and more). Use for \"what does coinsurance\n    mean\", \"what's an umbrella policy\", \"list all life insurance terms\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"},"category":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Filter by: general | auto | home | health | life. Omit for all categories.","title":"Category"}},"title":"insurance_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/out_of_pocket_cost":{"post":{"operationId":"out_of_pocket_cost","summary":"Runs a claim through the real deductible -> coinsurance -> out-of-pocket-max waterfall used by","description":"Runs a claim through the real deductible -> coinsurance -> out-of-pocket-max waterfall used by\n    essentially every US health, auto, and home policy: the member pays 100% up to the remaining deductible,\n    then their coinsurance percentage of what's left (capped by remaining out-of-pocket-max room), after\n    which the insurer covers 100% of the rest. Use for \"I have a $1,000 deductible, 20% coinsurance, $5,000\n    OOP max — what does a $10,000 claim cost me\", \"what if I've already paid $2,000 toward my deductible and\n    OOP this year\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"claim_amount":{"description":"Total billed/covered cost of this claim.","minimum":0,"title":"Claim Amount","type":"number"},"deductible":{"description":"The plan's deductible for the period.","minimum":0,"title":"Deductible","type":"number"},"coinsurance_pct":{"description":"Member's coinsurance share after the deductible, as a percent, e.g. 20 for 20%.","maximum":100,"minimum":0,"title":"Coinsurance Pct","type":"number"},"oop_max":{"description":"The plan's out-of-pocket maximum for the period (must be >= deductible).","minimum":0,"title":"Oop Max","type":"number"},"deductible_already_met":{"default":0.0,"description":"Deductible already satisfied this period, before this claim.","minimum":0,"title":"Deductible Already Met","type":"number"},"oop_already_met":{"default":0.0,"description":"Out-of-pocket total already accumulated this period, before this claim.","minimum":0,"title":"Oop Already Met","type":"number"}},"required":["claim_amount","deductible","coinsurance_pct","oop_max"],"title":"out_of_pocket_costArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/policy_type_comparison":{"post":{"operationId":"policy_type_comparison","summary":"What auto, home, health, and life insurance typically cover, typically exclude, and their common","description":"What auto, home, health, and life insurance typically cover, typically exclude, and their common\n    optional riders — one policy type in depth, or all four side by side. Use for \"what does homeowners\n    insurance typically not cover\", \"what riders are common on life insurance\", \"compare auto vs home\n    insurance coverage\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"policy_type":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"auto | home | health | life. Omit to compare all four side by side.","title":"Policy Type"}},"title":"policy_type_comparisonArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}