Will CHOICE save money or increase cost?
Enter current employer spending and a proposed allowance for a fast first-look comparison.
Proposed CHOICE cost: $50,000 / month
Estimated savings: $10,000 / month (16.7%)
Annual savings: $120,000
Current cost per employee: $600 · Proposed: $500
Simple first. Detailed when needed.
This quick comparison shows the direction of cost. A complete analysis adds employee age, ZIP code, family composition, contribution classes, individual-market premiums, administration and affordability.
Employers and brokers can use this starting point in all 50 states.
We can evaluate CHOICE, small group and hybrid strategies.
Family Glitch Calculator
Test employee-only and family coverage separately. This is where an affordable employee offer may still leave a spouse or dependents eligible to explore Marketplace savings.
2026 monthly affordability limit: $623
Employee-only cost: $250 — appears affordable
Family cost: $900 — may be unaffordable
Employee-only coverage appears affordable, but family coverage appears unaffordable. Eligible family members may want to explore Marketplace coverage and possible premium tax credits.
How to read the result
The 2026 affordability threshold is 9.96% of household income. Employee affordability is tested using employee-only coverage. Affordability for other family members uses the employee's cost to cover the household members offered employer coverage.
The employee may keep employer coverage while a spouse or dependents explore Marketplace plans.
Final eligibility is determined by the Marketplace using household and coverage information.
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 your census, current plan, costs and employer contributions. We can compare CHOICE, small group and hybrid strategies nationwide.