I need to figure out the cost of contractor health insurance versus a traditional employer sponsored plan to decide if freelancing right out of college is affordable.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to figure out the cost of contractor health insurance versus a traditional employer sponsored plan to decide if freelancing right out of college is affordable.
3 real searches · 1 real-search pass
2026 Colorado ACA marketplace health insurance premiums individual plans 2026 Colorado DOI ratesGoogle ↗
OBSERVEDConsequence
KFF 2025 employer health benefits survey average annual premiums employer contribution single coverageGoogle ↗
OBSERVEDShort fact
IRS self-employed health insurance deduction 2026 eligibilityGoogle ↗
OBSERVEDYes / no
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 Colorado ACA marketplace health insurance premiums individual plans 2026 Colorado DOI rates Google ↗
KFF 2025 employer health benefits survey average annual premiums employer contribution single coverage Google ↗
IRS self-employed health insurance deduction 2026 eligibility Google ↗
- 2025 Employer Health Benefits Survey · kff.org
- Marketplace Average Premiums and Average Advance Premium Tax Credit (APTC) · kff.org
- Press Release: Congressional Inaction Leads to An Average Doubling of Health Insurance Costs for 225,000 Hardworking Coloradans · content.govdelivery.com
- Plan Year 2026 Marketplace Plans and Prices Fact Sheet · cms.gov
- Connect for Health Colorado · connectforhealthco.com
- IRS business expense guidance · irs.gov
- Healthcare.gov's self-employed coverage guide · healthcare.gov
- Health Insurance Coverage For Children and Young Adults Under 26 · healthcare.gov
- I’m covered under my parents' health insurance plan, but I’m moving to another state. Can I remain covered on my parents' plan? · kff.org
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 Colorado ACA marketplace health insurance premiums individual plans 2026 Colorado DOI rates OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
KFF 2025 employer health benefits survey average annual premiums employer contribution single coverage OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
IRS self-employed health insurance deduction 2026 eligibility OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |