RQD Health Plan Comparison Suite

RQD is a Python-based toolkit for comparing health insurance plans. It lets you:

• Define health plans with premiums, deductibles, copays, coinsurance, and out-of-pocket maximums.
• Estimate yearly spending for a usage profile that includes routine visits, specialist visits, emergency care, prescriptions, and additional costs.
• Compare multiple plans side by side with transparent cost breakdowns.
• Parse a simplified Summary of Benefits (SOB) text file into a structured plan definition.
• Drive the analysis from a command line interface that accepts JSON plan definitions or SOB text files.

Installation

RQD is packaged as a standard Python project. From the repository root, install it in editable mode with the development dependencies:

pip install -e .[dev]

Command Line Usage

The rqd module ships with a command line interface.

Estimate the yearly cost for a plan:

python -m rqd.cli estimate plan.json usage.json

Compare several plans:

python -m rqd.cli compare plan_a.json plan_b.json --usage usage.json

Parse a Summary of Benefits file and immediately evaluate the plan:

python -m rqd.cli from-sob sob.txt --usage usage.json

See python -m rqd.cli --help for the full list of commands and options.

Library Usage

from rqd.health_plan import HealthPlan
from rqd.comparator import compare_plans

plan = HealthPlan(name="ChoicePlus", monthly_premium=450, deductible=1500,
                  coinsurance=0.2, out_of_pocket_max=6000,
                  copays={"primary": 30, "specialist": 60, "emergency": 250},
                  prescription_costs={"generic": 10, "brand": 40})

usage = {
    "primary_visits": 6,
    "specialist_visits": 2,
    "emergency_visits": 0,
    "generic_prescriptions": 12,
    "brand_prescriptions": 6,
    "additional_expenses": 800
}

summary = plan.estimate_yearly_cost(usage)
comparison = compare_plans([plan], usage)

Both functions return structured dictionaries suitable for further analysis or reporting.

Testing

Run the automated tests with pytest:

pytest