What is the least you need to contribute, and what will it cost?

Enter your workforce and your lowest-paid full-time employee. The modeler estimates the minimum employer contribution that keeps the MVP plan affordable under ACA rules, shows what employees would pay on every AffordaCare plan, and estimates your monthly and annual cost under different enrollment scenarios. Everything runs in your browser. Nothing you type is sent anywhere.

1Your workforce and dates

Full-time employees (30+ hrs/week) Part-time employees (under 30 hrs)Shown for reference, excluded from cost and affordability. Effective date State (optional)

Do not count terminated, ineligible, or waiting-period employees.

2Lowest-paid full-time employee

Paid by Hourly Annual salary

Hourly rate ($) Hours per weekFor reference. Rate of Pay uses 130 hours a month by rule.

Affordability safe harbor Affordability percentage (%)

Minimum employer contribution for MVP employee-only

Minimum employer contribution$0.00per month, employee-only MVP

3Your contribution design

Method Employer $ / month, employee-only Extra employer $ for dependent tiersAdded on top for Spouse, Child(ren), Family.

Add specialty pharmacy ($190 PEPM, Premier plans only)

Only the lowest-cost plan that meets Minimum Value (MVP) has to pass the affordability test. Flags on other plans are for information.

4Enrollment scenario

Mode Simple (percentages) Advanced (exact counts)

Percent of full-time who enroll % Employee only % Employee + Spouse % Employee + Child(ren) % Family

Share of enrollees by plan (%)

5Your cost

Include CHAMP employer savings

CHAMP is a separate program from the medical premium. It is shown only as an offset on total cost.

Scenario name Up to three. Saved only in this browser (local storage) and never sent anywhere.

How this is calculated

Plan year comes from the effective date. The affordability percentage is 9.96% for 2026 plan years (IRS Rev. Proc. 2025-25) and 10.22% for 2027 plan years (IRS Rev. Proc. 2026-26). Later years default to the latest confirmed figure and are marked "confirm for plan year".
Monthly income uses one IRS safe harbor: Rate of Pay (hourly rate x 130 hours, or annual salary / 12), W-2 (Box 1 wages / 12), or Federal Poverty Line (single-person FPL / 12).
Maximum employee share = monthly income x affordability percentage, rounded down to the cent.
Minimum employer contribution = MVP employee-only rate minus the maximum employee share, rounded up to the cent, never below $0. MVP is the lowest-cost AffordaCare plan that is intended to meet Minimum Value.
Employee cost on any plan and tier = plan rate (plus $190 specialty pharmacy on Premier plans if selected) minus the employer dollars, never below $0.
Scenario cost = enrollees in each plan and tier x employer dollars, summed. Simple mode estimates enrollees as full-time x enroll % x plan share x tier mix, so counts can be fractional. Annual = monthly x 12.
CHAMP, if turned on, subtracts the net savings per CHAMP participant from the employer total.
Plan count ladder: 5 to 9 enrolled may offer 1 plan; 10+ MVP plus one metal; 25+ MVP plus two; 50+ MVP plus three. Minimum 5 enrolled per plan offered.

Rates used

Please note

This is a modeling estimate only, not tax or legal advice. Please confirm affordability and Minimum Value with the carrier and a tax advisor before making decisions. The employer affordability test generally applies to applicable large employers (50 or more full-time employees, including equivalents); please confirm your status. Rates are illustrative composite rates and are subject to underwriting, participation rules, and the plan documents.