I need to figure out if comparing family and individual plans is worth it when my spouse has coverage through their employer but the kids and I need our own policy.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to figure out if comparing family and individual plans is worth it when my spouse has coverage through their employer but the kids and I need our own policy.
2 real searches · 1 real-search pass
2026 ACA Marketplace family coverage employer-sponsored coverage affordability spouse dependents premium tax credit rules Pennsylvania PennieGoogle ↗
OBSERVEDOther / navigational
IRS 2026 affordability percentage employer coverage family members premium tax credit employer-sponsored coverageGoogle ↗
OBSERVEDComparison
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 ACA Marketplace family coverage employer-sponsored coverage affordability spouse dependents premium tax credit rules Pennsylvania Pennie Google ↗
IRS 2026 affordability percentage employer coverage family members premium tax credit employer-sponsored coverage Google ↗
- I have an offer of job-based insurance coverage for my family, but it’s unaffordable. Can I get financial savings to enroll my family in coverage through Pennie instead? · help.pennie.com
- Affordable coverage - Glossary · healthcare.gov
- Questions and answers on the Premium Tax Credit · irs.gov
- Who’s included in your household · healthcare.gov
- My employer offers health benefits to me. My spouse works and has coverage through her job. To figure out whether my coverage is affordable, do I just count my income, or do I count my spouse's salary as well? · kff.org
- Pennsylvania Insurance Department Releases Affordable Care Act 2027 Health Insurance Rates | Insurance Department · pa.gov
- FAQ | Pennie: Connecting Pennsylvanians to Health Coverage · pennie.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 ACA Marketplace family coverage employer-sponsored coverage affordability spouse dependents premium tax credit rules Pennsylvania Pennie OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
IRS 2026 affordability percentage employer coverage family members premium tax credit employer-sponsored coverage OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |