> ## Documentation Index
> Fetch the complete documentation index at: https://docs.effectiveai.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Rating programs

> Rate policies against carriers' filed rating plans, over HTTP or in Python.

A rating program is an executable implementation of a carrier's filed rating plan. Each published
version pins the exact engine that rates it, so the same inputs always give the same premium.

## Market raters

Effective builds rating programs from carriers' public rate filings and publishes them as market
raters. Browse them in the Effective app, after you sign in:

```text theme={null}
https://your-tenant.effectiveai.app/rating-programs/catalog
```

Each program's page shows its carrier, product, states, supported policy dates and documentation.

Rating or downloading a program needs an active subscription for your organization. Effective's
example programs need no subscription. Subscribe from the program's page in Market Raters, or
[subscribe with the API](/guides/get-rating-program#check-access).

To ask for a program that isn't there yet, select **Request** on the Market Raters page. Track your
requests at `https://your-tenant.effectiveai.app/rating-programs/requests`.

| Task | Guide |
| - | - |
| Find a program, check access and choose a version | [Get a rating program](/guides/get-rating-program) |
| Rate one policy over HTTP | [Rate a submission](/guides/rate-with-a-program) |
| Rate a book against several programs in Python | [Compare programs with a market](/relativities/how-to/create-a-market) |


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