Free health benefits calculators for employers

Check ACA and ICHRA affordability, estimate what health insurance costs your company per employee, work out HSA and QSEHRA limits, and see what premiums take out of a paycheck, with the current IRS and Department of Labor rules. Each calculator runs in your browser and explains the rule behind the number.

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October 26, 2026Employer mandate penalty calculator for 2026 and 2027Estimate your ACA employer mandate penalty under 4980H(a) and 4980H(b) for 2026 and 2027: $3,780 or $5,670 per employee in 2027, the 30-employee reduction and the cap.
October 25, 2026QSEHRA calculator and 2026 limitsCheck a QSEHRA allowance against the 2026 limits of $6,450 self-only and $13,100 family, prorate it for partial years, and see when ICHRA is the better fit.
October 24, 2026Section 125 tax savings calculatorEstimate the payroll tax your company saves, and what each employee keeps, when health premiums are paid pre-tax through a Section 125 premium only plan.
October 23, 2026How much health insurance takes out of your paycheckHow much does health insurance take out of your paycheck? Turn your monthly premium share into a per-paycheck deduction and see how much pre-tax payment saves you.
October 22, 2026HSA contribution calculator for 2026 and 2027Free HSA contribution calculator for 2026 and 2027: your limit ($4,500 self-only, $9,000 family in 2027), employer money, catch-up, partial years and the amount per paycheck.
October 21, 2026Employer health insurance cost calculatorEstimate what your company pays for employee health insurance per month and per employee, using KFF's 2025 averages ($777 single, $2,249 family) or your own premiums.
October 20, 2026ICHRA affordability calculator for 2026 and 2027Free ICHRA affordability calculator: find the smallest monthly allowance that passes the 9.96% (2026) or 10.22% (2027) test using the lowest-cost silver plan and IRS safe harbors.
October 13, 2026ALE calculator: are you an applicable large employer?Free ALE calculator: count full-time employees and full-time equivalents to see if you're an applicable large employer under the ACA in 2026 or 2027, and what the penalties are.
October 13, 2026COBRA cost calculatorFree COBRA cost calculator: the most COBRA can cost per month (102% of the full premium, 150% in a disability extension) and the total over 18, 29 or 36 months.
October 13, 2026ACA affordability calculator for 2026 and 2027Free ACA affordability calculator: check an employee's contribution against the 9.96% (2026) and 10.22% (2027) limits under the FPL, rate of pay and W-2 safe harbors.

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