Household income
Affordability is evaluated as a percentage of household income under the rules applicable to the coverage year.
Family affordability calculator
Compare employee-only and family affordability.
Enter household income, the employee-only contribution and the family contribution to explore whether different household members may need different coverage paths.
Static summary
Three figures shape the first review.
Employee-only cost
The employee’s required contribution for self-only employer coverage remains a separate affordability test.
Family cost
The amount required to cover eligible family members can affect whether dependents explore Marketplace coverage.
Calculator results are educational estimates, not a subsidy or eligibility determination. Confirm the applicable year’s threshold and final Marketplace outcome before changing coverage.