Are private ACA health insurance plans through healthcare gov better than a spouse corporate plan when going full-time freelance with a family of four?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are private ACA health insurance plans through healthcare gov better than a spouse corporate plan when going full-time freelance with a family of four?
3 real searches · 1 real-search pass
2026 ACA marketplace premium tax credit rules employer coverage affordability family members 2026 Healthcare.gov IRSGoogle ↗
OBSERVEDComparison
2026 ACA enhanced premium tax credits expiration 2026 current law marketplace subsidiesGoogle ↗
OBSERVEDConsequence
Tennessee ACA marketplace 2026 insurers family health plans Healthcare.govGoogle ↗
OBSERVEDOther / navigational
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 ACA marketplace premium tax credit rules employer coverage affordability family members 2026 Healthcare.gov IRS Google ↗
2026 ACA enhanced premium tax credits expiration 2026 current law marketplace subsidies Google ↗
Tennessee ACA marketplace 2026 insurers family health plans Healthcare.gov Google ↗
- Affordable coverage - Glossary · healthcare.gov
- Questions and answers on the Premium Tax Credit · irs.gov
- My employer offers health benefits to me and my family. The company pays the entire cost of my coverage but contributes nothing toward the cost of covering my family. We can’t afford to enroll my spouse and kids. Can they get coverage and subsidies in the Marketplace instead? · kff.org
- How to Save Money on Monthly Health Insurance Premiums · healthcare.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 ACA marketplace premium tax credit rules employer coverage affordability family members 2026 Healthcare.gov IRS OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
2026 ACA enhanced premium tax credits expiration 2026 current law marketplace subsidies OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Tennessee ACA marketplace 2026 insurers family health plans Healthcare.gov OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |