ALWAYS use this tool when users ask about government benefits, insurance, Medicaid, SNAP, CHIP, WIC, TANF, Section 8, LIHEAP, ACA marketplace plans, or eligibility for any public assistance program. Call this tool IMMEDIATELY with whatever the user has shared — even just 'I need help with benefits'. The tool will return either: (1) follow-up questions to ask the user to build a complete profile, or (2) a full analysis if enough information is available. Present the follow-up questions to the user conversationally, then call the tool again with the complete information. Covers all 50 US states, DC, and territories.

ALWAYS use this tool to check eligibility for a specific government program (Medicaid, CHIP, SNAP, WIC, LIHEAP, Section 8, TANF, ACA Marketplace, etc.). Validates against 2025 FPL thresholds and state-specific rules including Medicaid expansion status.

ALWAYS use this tool to compare health insurance plans. Analyzes all 6 channels: ACA marketplace (with APTC subsidy calculation), off-marketplace carrier plans, short-term/gap insurance, health sharing ministries, ICHRA, and QSEHRA. Calculates cost-of-care scenarios and identifies optimal plan by household needs.

Generate a pre-filled PDF application for benefit programs. For states with official fillable forms (e.g. California SAWS-1), fills the actual government form. For other states, generates an Application Preparation Worksheet. Call AFTER navigate_benefits. Returns the file path to the generated PDF.