Employer coverage affordability checker

2026 ACA affordability check

For 2026 plan years, this checker compares the employee share of the lowest-cost self-only minimum-value coverage with the selected ACA safe-harbor monthly limit. The federal poverty line safe harbor uses the 2026 mainland single-person guideline of $15,960, producing a monthly limit of $132.47.

W-2 safe harbor limit: $348.60/mo. Rate-of-pay safe harbor limit: $233.06/mo. Use the option that matches the employer's actual method and plan facts.

This is a planning check for the affordability threshold. It does not decide minimum value, eligibility for every employee, federal reporting, or employer shared responsibility payment exposure.

Sources: IRS IRB 2025-32, IRS minimum value and affordability, and 2026 HHS poverty guidelines.