ZIP-accurate · 2026
ICHRA affordability & cost calculator
Because ICHRA affordability is set by the real lowest-cost Silver plan in the employee’s ZIP code, this calculator starts there — by age, using live 2026 data for all 50 states — then runs the exact 2026 affordability test (9.96% of income, with all three IRS safe harbors) and projects your employer budget.
Where is the employee & how old?
ICHRA affordability is based on the real lowest-cost Silver plan in the employee’s area, which changes by ZIP code and age. We have live 2026 pricing for all 50 states.
“Employee only” means the lowest-cost Silver plan covering just the employee — not dependents. That’s the exact figure the IRS uses to test ICHRA affordability, so it’s the number the calculator needs (even if the employee ultimately buys family coverage).
Your allowance & affordability basis
FPL safe harbor: caps the employee's share at a fixed $129.90/mo for 2026, regardless of income — the easiest way to guarantee affordability.
How to use this ICHRA calculator
Start with the employee’s ZIP code, age, and tobacco status and let the tool find the real lowest-cost Silver plan in their area (or enter it manually from HealthCare.gov). Then set the monthly ICHRA allowance you’re considering and pick an affordability basis — household income, the Federal Poverty Line safe harbor, or the Rate of Pay safe harbor. The calculator tells you whether the offer is affordable, the minimum allowance needed to make it affordable, each employee’s net cost after the allowance, and your total employer budget including the payroll tax you avoid versus a taxable stipend.
Why ICHRA costs are predictable
With a group plan, the insurer sets your premium and raises it at renewal. With an ICHRA, you set the allowance — so your benefits budget is a fixed number you control, not a moving target.
Frequently asked questions
ICHRA affordability is based on the lowest-cost Silver plan available to the employee, and Silver premiums vary widely by geographic rating area (derived from ZIP and county), age, and tobacco status. Without location, an affordability number is a guess. This tool pulls the real lowest-cost Silver plan for the ZIP you enter.
Turn your estimate into a real quote
Send us your numbers and we’ll prepare a free, tailored ICHRA quote — no obligation.