> ## Documentation Index > Fetch the complete documentation index at: https://getprescience.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # Create a quote > Rates the stored census and returns a complete quote synchronously. Deterministic: the same census, start date, and pricing configuration always produce the same numbers. Groups above the in-review threshold (default 200 employees) return `status: in_review` and are finalized by underwriting (webhook `quote.finalized`). Quotes expire per configuration (default 30 days). Rate limit: 60 quote creates per hour. All quotes are indicative pending underwriting confirmation. ## OpenAPI ````yaml /api-reference/openapi.json post /groups/{groupId}/quotes openapi: 3.1.0 info: title: Prescience Partner API version: 1.1.0 description: >- Create employer groups, submit census records, generate indicative quotes, create enrollments, and read aggregate account data. Money is always integer cents. Dates are `YYYY-MM-DD`; timestamps are ISO 8601 UTC. Quotes are indicative pending underwriting confirmation. A BAA and data processing agreement are executed before live mode is enabled. contact: name: Prescience partner engineering email: partners@getprescience.com servers: - url: https://www.getprescience.com/api/partner/v1 description: >- Production. Test and live traffic share this host; mode comes from your API key. security: - bearerAuth: [] tags: - name: Health description: Connectivity and key checks. - name: Plans description: Static plan metadata. - name: Groups description: 'Employer groups: the root resource of every integration.' - name: Census description: Pre-enrollment census intake and ongoing member sync. - name: Quotes description: Deterministic, synchronous quotes. Indicative pending underwriting. - name: Enrollments description: Plan selection and employer provisioning. - name: Account description: Aggregate, de-identified employer account data. - name: Webhooks description: Signed event delivery (standard-webhooks scheme). paths: /groups/{groupId}/quotes: post: tags: - Quotes summary: Create a quote description: >- Rates the stored census and returns a complete quote synchronously. Deterministic: the same census, start date, and pricing configuration always produce the same numbers. Groups above the in-review threshold (default 200 employees) return `status: in_review` and are finalized by underwriting (webhook `quote.finalized`). Quotes expire per configuration (default 30 days). Rate limit: 60 quote creates per hour. All quotes are indicative pending underwriting confirmation. operationId: createQuote parameters: - $ref: '#/components/parameters/GroupId' - $ref: '#/components/parameters/IdempotencyKey' requestBody: required: false content: application/json: schema: $ref: '#/components/schemas/QuoteCreateRequest' example: {} responses: '201': description: The quote. content: application/json: schema: $ref: '#/components/schemas/Quote' example: id: qt_5b9e2c7f10ad groupId: grp_8c2f41d09a3e mode: test status: ready pricingBasis: indicative plan: id: diamond name: Prescience Diamond planYearStartDate: '2026-09-01' expiresAt: '2026-07-10T17:22:05Z' census: employees: 12 coveredLives: 19 tiers: employeeOnly: 7 employeeSpouse: 2 employeeChildren: 1 family: 2 monthly: totalCents: 660096 pepmCents: 55008 byTier: employeeOnly: count: 7 avgCents: 34047 employeeSpouse: count: 2 avgCents: 89166 employeeChildren: count: 1 avgCents: 53987 family: count: 2 avgCents: 94724 annual: totalCents: 7921152 employeeContribution: premiumCents: 0 comparison: priorPepmCents: 80000 savingsMonthlyCents: 299904 savingsAnnualCents: 3598848 savingsPct: 31 fundingBreakdown: expectedClaimsPct: 78 stopLossPct: 12 careNavigationPct: 10 adminFeesPct: 0 note: Illustrative split of the premium-equivalent. assumptions: - Rates are indicative pending underwriting confirmation. - Census accepted as submitted; material changes re-rate. pricing: source: code_default createdAt: '2026-06-10T17:22:05Z' '400': description: Validation failed. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: invalid_request message: planYearStartDate must be YYYY-MM-DD. details: - field: planYearStartDate message: planYearStartDate must be YYYY-MM-DD '401': $ref: '#/components/responses/Unauthorized' '404': $ref: '#/components/responses/NotFound' '422': description: >- No quotable census. Every member needs `zip` plus one of `dob` | `age`. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: census_required message: >- Upload a census with PUT /groups/{groupId}/census before quoting. '429': $ref: '#/components/responses/RateLimited' '500': $ref: '#/components/responses/ServerError' components: parameters: GroupId: name: groupId in: path required: true description: Group ID, e.g. `grp_8c2f41d09a3e`. schema: type: string pattern: ^grp_[0-9a-f]{12}$ example: grp_8c2f41d09a3e IdempotencyKey: name: Idempotency-Key in: header required: false description: >- Any unique string (UUIDs work well). Replaying the same key within 24 hours returns the stored response instead of re-executing the request. schema: type: string maxLength: 255 example: 9f3b2c61-4a8d-4e2f-b1c7-d5a90e8f1a23 schemas: QuoteCreateRequest: type: object properties: planYearStartDate: type: string format: date description: Defaults to the first of the month at least 60 days out. example: '2026-09-01' priorPepmCents: type: integer description: >- Savings baseline override. Defaults to `group.currentCoverage.pepmCents`. example: 80000 Quote: type: object required: - id - groupId - mode - status - pricingBasis - plan - planYearStartDate - expiresAt - census - monthly - annual - employeeContribution - comparison - fundingBreakdown - assumptions - createdAt properties: id: type: string example: qt_5b9e2c7f10ad groupId: type: string example: grp_8c2f41d09a3e mode: type: string enum: - test - live status: type: string enum: - ready - in_review - expired description: >- `ready` for most groups (synchronous). Groups above the in-review employee threshold (default 200) return `in_review` and are finalized by Prescience underwriting; listen for the `quote.finalized` webhook. pricingBasis: type: string const: indicative description: >- Always `indicative`: rates are indicative pending underwriting confirmation and bind only at enrollment plus underwriting sign-off. plan: type: object properties: id: type: string example: diamond name: type: string example: Prescience Diamond planYearStartDate: type: string format: date example: '2026-09-01' expiresAt: type: string format: date-time description: >- Expiry is configuration-driven; the default window is 30 days after creation. Enrolling against an expired quote returns `410 quote_expired`. census: type: object properties: employees: type: integer example: 12 coveredLives: type: integer example: 19 tiers: type: object properties: employeeOnly: type: integer employeeSpouse: type: integer employeeChildren: type: integer family: type: integer monthly: type: object properties: totalCents: type: integer example: 660096 pepmCents: type: integer description: Total divided by active employees, rounded. example: 55008 byTier: type: object properties: employeeOnly: type: object properties: count: type: integer avgCents: type: integer employeeSpouse: type: object properties: count: type: integer avgCents: type: integer employeeChildren: type: object properties: count: type: integer avgCents: type: integer family: type: object properties: count: type: integer avgCents: type: integer annual: type: object properties: totalCents: type: integer example: 7921152 employeeContribution: type: object properties: premiumCents: type: integer const: 0 description: Always 0. Employees pay no premium contribution on Diamond. comparison: type: object properties: priorPepmCents: type: integer example: 80000 savingsMonthlyCents: type: integer example: 299904 savingsAnnualCents: type: integer example: 3598848 savingsPct: type: integer example: 31 description: >- Savings versus the prior plan, rounded to the nearest whole percent. fundingBreakdown: type: object properties: expectedClaimsPct: type: integer example: 78 stopLossPct: type: integer example: 12 careNavigationPct: type: integer example: 10 adminFeesPct: type: integer const: 0 note: type: string assumptions: type: array items: type: string pricing: type: object description: >- Pricing metadata: which configuration layer produced this quote. Additive in v1.1; absent on quotes created before it. All other quote fields are unchanged. required: - source properties: source: type: string enum: - code_default - default - partner description: >- `partner`: integration-specific pricing configuration. `default`: platform default pricing configuration. `code_default`: built-in defaults. updatedAt: type: string format: date-time description: >- When the applied rate card was last updated. Absent for `code_default`. createdAt: type: string format: date-time Error: type: object required: - error - message properties: error: type: string enum: - unauthorized - live_mode_disabled - forbidden - not_found - invalid_request - conflict - quote_expired - census_required - rate_limited - server_error - not_configured description: Stable machine-readable error code. message: type: string description: >- Human-readable explanation. Wording may change; branch on `error`, not `message`. details: type: array description: Present on `invalid_request`. One entry per failed field. items: type: object required: - field - message properties: field: type: string example: zip message: type: string example: zip must be a 5-digit ZIP code index: type: integer description: >- For array payloads (census rows), the zero-based index of the failing row. example: 7 responses: Unauthorized: description: Missing, malformed, or revoked API key. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: >- Provide a valid partner API key as `Authorization: Bearer psk_...`. NotFound: description: >- No such resource in this mode. Test keys only see test resources; live keys only see live resources. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: not_found message: No group grp_8c2f41d09a3e found. RateLimited: description: Rate limit exceeded. Honor `Retry-After`. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: rate_limited message: Rate limit exceeded. Retry after 12 seconds. headers: Retry-After: description: Seconds to wait before retrying. schema: type: integer example: 12 ServerError: description: >- Something failed on our side. Safe to retry with the same `Idempotency-Key`. content: application/json: schema: $ref: '#/components/schemas/Error' example: error: server_error message: Internal error. The request was not applied. securitySchemes: bearerAuth: type: http scheme: bearer description: >- Partner API key. `psk_test_<32 hex>` for test mode, `psk_live_<32 hex>` for live mode. Keys are stored hashed and cannot be recovered; store them in your secrets manager on issue. ````