ICHRA and QSEHRA allowance calculator

What this does: an ICHRA or QSEHRA allowance is spent on the individual market in each employee’s county, so the price of that market is the price of the structure. Put in a ZIP and the ages on payroll; the calculator reads the CMS 2027 plan files for that county (1,906 counties across the 24 HealthCare.gov states on this site) and shows the cheapest and the median Silver plan for each person, the monthly total, and whether the 2026 QSEHRA cap covers each one. A group plan for the same people is quoted by the carriers from the same census; the ZIP box below sends it to a licensed agent, free.

How to read it

• Cheapest Silver is the lowest-priced Silver plan filed in the county for 2027; the median is the middle of all Silver plans. Bronze plans cost less and Gold more; employees pick their own metal under an ICHRA.
• The allowance decides the credit. If it makes an employee’s lowest-cost Silver plan cost that employee 10.22% of pay or less for 2027, the ICHRA is affordable and the employee loses the marketplace credit; a smaller allowance lets lower-paid staff opt out and keep a credit that may be worth more.
• QSEHRA cap: $6,450 a year single, $13,100 family (2026); the table shows whether that covers the cheapest Silver for each age.
• Owners are priced separately: a sole proprietor, partner or more-than-2% S-corp owner cannot take the allowance tax-free. By entity type.

What it cannot do

Quote a group plan (the carriers price those from a census, with participation and contribution rules), count part-timers’ hours, or see the six state-run exchanges, which publish no county file. The three structures side by side; the Form 8941 credit table.

Send my census to a licensed agentBack to the ZIP box near the top of this page.