Employer Coverage Affordability Checker
Estimate whether job-based health coverage may meet the 2026 Marketplace affordability test based on your household income and the amount you would pay for employer coverage.
9.96% of household income
Enter your household and employer-plan information.
Use the lowest-cost employer plan that meets the minimum-value standard, not necessarily the plan you would personally prefer to enroll in.
1. Household income
Use your best estimate of Marketplace household income for the year.
2. Who are you checking affordability for?
3. Employer premium contribution
A minimum-value plan generally must cover at least 60% of expected allowed benefit costs and substantially cover physician and inpatient hospital services.
Affordability result
0%The monthly employee premium entered multiplied by 12.
9.96% of the household income entered.
Difference from the estimated threshold.
Marketplace premium-tax-credit eligibility depends on more than this percentage. Household income, tax filing status, other coverage, Marketplace eligibility rules and the details of the employer offer can all affect the final determination.
Employee and family affordability are not the same calculation.
Employee affordability
For the employee, use the amount the employee must pay for the lowest-cost self-only employer plan that meets minimum value.
Family affordability
For a spouse or dependent, affordability generally looks at the employee's required contribution toward coverage that includes the employee and the applicable family members.
Minimum value matters
Even affordable employer coverage must also satisfy the minimum-value standard for the usual Marketplace restriction on premium tax credits to apply.
An employer plan can be affordable for the employee but unaffordable for family members. In that situation, the employee and family members may have different Marketplace financial-assistance outcomes.
There may be more to review.
If you're comparing employer coverage with Nevada Health Link or trying to understand whether family coverage is affordable, tell us what you're trying to figure out.
You don't need to provide Social Security numbers, medical history or other sensitive health information through our initial form.
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Important: This calculator provides an educational estimate based on the 2026 Marketplace affordability percentage of 9.96%. It does not determine eligibility for Marketplace coverage or premium tax credits, determine whether an employer plan satisfies minimum value, calculate employer shared-responsibility compliance, or provide tax or legal advice. Marketplace household-income rules and employer-plan requirements can be complex. Verify current information through Nevada Health Link, HealthCare.gov, the IRS and appropriately licensed insurance or tax professionals before making coverage decisions. NevadaHealthPlans.com is not currently acting as a licensed insurance agency.