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ICHRA affordability estimate

A free, read-only preview of the pricing tool. No sign-in, and nothing you enter or upload is saved.

1 Company
2 Roster
3 Results

Step 1: Company

Company name

State

ZIP code

Plan year

Number of employees (optional)

Current employer contribution (optional, per employee / month)

What you pay today toward each employee's group plan. Used to show your potential savings. A Current Employer Contribution roster column overrides it per employee.

Price each employee's lowest-cost silver plan at Each employee's home ZIP
The usual approach: the LCSP where each employee lives. The roster needs a Home ZIP for everyone. The employer's ZIP (work-location safe harbor)
The IRS lets employers use the LCSP at the employee's primary worksite. Everyone is priced at the ZIP above; home ZIPs become optional.

No need to pick an income safe harbor: we compare federal poverty line, rate of pay and W-2 wages using whatever pay data your roster has, and recommend the cheapest.

If the employer's state or ZIP has no pricing data you can still continue when pricing at home ZIPs (employees may live in covered states), but not when pricing at the employer's ZIP.