ICHRA Cost & Employee Impact Calculator
ICHRA Cost & Employee Impact Calculator (Estimates)
Edit only the yellow fields. Outputs update automatically.
1) Employer Budget (Annual Cost Comparison)
Inputs
Matches spreadsheet formulas
Plan year start date For reference (does not change calculations)
Eligible employees (count)
Expected ICHRA participation rate Participating = eligible × rate
Monthly ICHRA allowance per participating employee
One-time setup fee (optional)
Admin/platform fee (PEPM)
Admin fee charged on
Current Group Plan (for comparison)
Optional
Employees enrolled in group plan
Employer monthly contribution per enrolled employee
Expected annual renewal trend
Employer Results (Calculated)
Auto
Estimated participating employees
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Total employer ICHRA cost (annual)
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Annual ICHRA reimbursements (max)
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Annual admin/platform fees
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Group plan employer cost (annual, current)
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Group plan employer cost (annual, trended)
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Estimated annual savings vs. trended group plan
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ICHRA cost per eligible employee per month
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Group cost per enrolled employee per month (trended)
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Positive “savings” means ICHRA is lower than the trended group plan cost.
2) Employee Premium Scenario (Monthly & Annual)
Inputs
Scenario assumptions
Coverage type
Monthly premium for chosen plan
Monthly ICHRA allowance (override, optional) If blank/0, uses employer allowance from left panel.
Monthly premium tax credit (APTC), if eligible
Annual household income (for affordability check)
Affordability threshold (% of income)
Lowest-cost Silver premium (self-only) in your area
Employee Results (Calculated)
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Required contribution (affordability test, self-only)
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ICHRA considered affordable?
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Monthly premium after ICHRA reimbursement (est.)
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Monthly premium after APTC (if opts out and eligible)
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Lower monthly premium (ICHRA vs APTC)
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Estimated annual premium savings vs. APTC option
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Annual premium after ICHRA (est.)
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Annual premium after APTC (if opts out)
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If ICHRA is considered affordable, employees are generally ineligible for premium tax credits.
Disclaimer:
Estimates only. Confirm results with a licensed broker and counsel.
