Response Shape
Free-tier summary vs. full paid-tier optimization payload.
Response Shape
Free-tier responses include the triple-tax summary and an HDHP-vs-PPO snapshot. Paid-tier responses add contribution ordering, investment allocation, and the Medicare transition plan.
{
"triple_tax_summary": { "annual_tax_savings": { "total": 2238 }, "lifetime_advantage_vs_taxable": { "10_year": 41200 } },
"hdhp_vs_ppo": { "annual_savings": 3100, "break_even_oop_spending": 7420 },
"upgrade_prompt": "Unlock investment allocation, Medicare transition, and lifetime projection for $9",
"tier": "free"
}