Employer Coverage Affordability Test
Whether an employer's health coverage offer is affordable.
Open the tool → Runs in your browser. Data leaves only if you deliberately send a problem report from the interactive tool.
Example
- Household income a year
- 50000 USD
- Employee self-only premium a month
- 400 USD
- Family premium a month
- 1200 USD
- Plan year
- 2026
Result: Employee: affordable: self-only coverage costs $4,800.00 a year, within 9.96% of household income. Family members: not affordable: family coverage costs $14,400.00 a year.
The tool opens with these values already filled in. Replace them with your own.
What you enter
- Household income a year
- Employee self-only premium a month
- Family premium a month
- Plan year (blank for this year)
How this is calculated
Citation
26 CFR 1.36B-2(c)(3)(v): affordable if the employee's self-only contribution, or for family members the family contribution, is at most the required contribution percentage of household income (9.96% in 2026, Rev. Proc. 2025-25; 10.22% in 2027). Read the source ↗
A reference and educational tool. Not medical, legal, or financial advice, and not a substitute for clinician judgment.