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POST
/
groups
/
{groupId}
/
quotes
Create a quote
curl --request POST \
  --url https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '{}'
import requests

url = "https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes"

payload = {}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({})
};

fetch('https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes"

	payload := strings.NewReader("{}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}
HttpResponse<String> response = Unirest.post("https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://www.getprescience.com/api/partner/v1/groups/{groupId}/quotes")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{}"

response = http.request(request)
puts response.read_body
{
  "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"
}
{
  "error": "invalid_request",
  "message": "planYearStartDate must be YYYY-MM-DD.",
  "details": [
    {
      "field": "planYearStartDate",
      "message": "planYearStartDate must be YYYY-MM-DD"
    }
  ]
}
{
  "error": "unauthorized",
  "message": "Provide a valid partner API key as `Authorization: Bearer psk_...`."
}
{
  "error": "not_found",
  "message": "No group grp_8c2f41d09a3e found."
}
{
  "error": "census_required",
  "message": "Upload a census with PUT /groups/{groupId}/census before quoting."
}
{
  "error": "rate_limited",
  "message": "Rate limit exceeded. Retry after 12 seconds."
}
{
  "error": "server_error",
  "message": "Internal error. The request was not applied."
}

Authorizations

Authorization
string
header
required

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.

Headers

Idempotency-Key
string

Any unique string (UUIDs work well). Replaying the same key within 24 hours returns the stored response instead of re-executing the request.

Maximum string length: 255

Path Parameters

groupId
string
required

Group ID, e.g. grp_8c2f41d09a3e.

Pattern: ^grp_[0-9a-f]{12}$

Body

application/json
planYearStartDate
string<date>

Defaults to the first of the month at least 60 days out.

Example:

"2026-09-01"

priorPepmCents
integer

Savings baseline override. Defaults to group.currentCoverage.pepmCents.

Example:

80000

Response

The quote.

id
string
required
Example:

"qt_5b9e2c7f10ad"

groupId
string
required
Example:

"grp_8c2f41d09a3e"

mode
enum<string>
required
Available options:
test,
live
status
enum<string>
required

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.

Available options:
ready,
in_review,
expired
pricingBasis
string
required

Always indicative: rates are indicative pending underwriting confirmation and bind only at enrollment plus underwriting sign-off.

Allowed value: "indicative"
plan
object
required
planYearStartDate
string<date>
required
Example:

"2026-09-01"

expiresAt
string<date-time>
required

Expiry is configuration-driven; the default window is 30 days after creation. Enrolling against an expired quote returns 410 quote_expired.

census
object
required
monthly
object
required
annual
object
required
employeeContribution
object
required
comparison
object
required
fundingBreakdown
object
required
assumptions
string[]
required
createdAt
string<date-time>
required
pricing
object

Pricing metadata: which configuration layer produced this quote. Additive in v1.1; absent on quotes created before it. All other quote fields are unchanged.