Choice Benefits calculators
Run the numbers.
Make a better benefits decision.
Estimate employer savings, employee costs, family split-plan opportunities and contribution strategies—then move directly into the Shop.
Employee calculator
What will my benefits cost?
Start with the employer contribution, choose medical and add the benefits that matter. See the employee cost instantly.
$per month
$per month
Your monthly benefits package$660
Employer pays$660
Remaining contribution$65
Your estimated cost$0
Illustrative estimate. Unused amounts, employee payments, eligible expenses and reimbursement rules depend on the employer plan and administrator.
Split-plan savings calculator
Could separating family coverage save money?
Compare the current family payroll deduction with a strategy where the employee keeps employee-only coverage and eligible family members explore separate coverage.
$per month
$per month
$per month
Potential split-plan result$325 monthly savings
Current family cost$1,100
Split-plan household cost$775
Potential annual savings$3,900
This is a comparison tool, not a tax-credit or eligibility determination. Marketplace savings depend on household income, tax filing status, family composition, the employer offer and current rules. Never drop existing coverage until replacement coverage is confirmed.
Employer planning tool
Will CHOICE save money or increase cost?
Enter current employer spending and a proposed allowance for a fast first-look comparison.
Simple first. Detailed when needed.
A complete analysis adds age, ZIP code, family composition, contribution classes, premiums, administration and affordability.
Family affordability + employer funding
Family Glitch & Family Budget Calculator
Test employee-only and family coverage separately, then establish a clear monthly budget for the employee, spouse and each dependent.
How to read the result
The calculator tests employee-only and family costs separately using the stated affordability assumption. Final Marketplace eligibility depends on current law and household facts.
Possible split strategy
The employee may keep employer coverage while a spouse or dependents explore Marketplace plans.
Open KFF Subsidy CalculatorThe employee may keep employer coverage while a spouse or dependents explore Marketplace plans.
Contribution design
Set the family budget
Enter the employer-funded monthly amount for each coverage unit. The dependent amount is applied to each child.
ALE guardrailFor applicable large employers, affordability is evaluated using the employee's required contribution for self-only coverage. ALEs must generally offer coverage to full-time employees and their dependent children under age 26; a spouse is not a dependent for this rule. Federal rules do not set a specific minimum employer dollar contribution for dependents, so any “nominal” dependent amount shown here is a design choice that must be reviewed with the plan administrator and counsel.
Optional 3:1 age-banded illustration
Model an illustrative contribution schedule in which the oldest age band's amount does not exceed three times the youngest age band's amount.
Turn the estimate into a real comparison.
Bring the census, current plan, costs and employer contributions. We can test the options and help employees shop.