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On this page you’ll find a number of calculators, tables, and infographics relevant to the individual, small group, and large group markets. We’ve developed a few of the calculators ourselves but have also linked to several external tools developed by the federal government and other organizations. A few of these tools (ours and others) may not be as relevant as they once were but are included because they may still help to explain some difficult concepts.

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The Affordable Care Act creates advanceable, refundable premium tax credits to individuals and families with incomes up to 400% of the Federal Poverty Level and cost-sharing subsidies for people earning less than 250% of the Federal Poverty Level. The FPL numbers are announced every January by HHS. Here’s the FPL chart for 2017 for various income levels.

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This tool was developed by the Kaiser Family Foundation to illustrate health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA). You can enter different incomes, ages, and family sizes to get an estimate of your eligibility for subsidies and how much you could spend on health insurance.

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From KFF: Starting in 2015, large employers face penalties if they don’t make affordable coverage available to their employees. This simple flowchart illustrates how those employer responsibilities work.

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Here is the minimum value calculator developed by HHS to help carriers and employers determine if their plans provide minimum value. As explained in IRS Notice 2014-69, plans that fail to cover in-patient hospitalization services, even if they meet the 60% actuarial value threshold, will not be considered minimum value plans.

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The National Retail Federation has created a special Health Mandate Cost Calculator to help you better understand your potential mandate penalty exposure. NRF provides this Health Mandate Cost Calculator as a service to its members and the public to provide general information and it is not nor is it intended to provide legal advice.

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In the small group market, some insurance carriers offer employers the option of charging either composite or member-level rates. This simple Excel tool converts member-level employee-only rates to a composite rate. This could be helpful for small employers who want to average the age-banded rates for their employees so they can charge each employee the same amount.

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From iTriage: This infographic focuses on the growing health literacy problem in this country. Only 12% of Americans are health literate.

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From LifeHealthPro: The 18-39 age group—often referred to as the “young invincibles”—offers tremendous potential for health insurers. This infographic illustrates their behavior and statistics.

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This simple calculator tool will help a group determine how many full-time equivalent (FTE) employees it has. It’s useful for employers that are unsure whether or not they are an “applicable large employer” required to offer group health coverage to their employees.

Tables & Charts 0

Here are the monthly premiums people would pay at varying income levels and family sizes for the benchmark plan – the second-lowest-priced silver-level plan in the individual marketplace. The government will pick up any remaining amount and the advance tax credit will be paid directly to the insurance company by the IRS. [Based on 2013 numbers]

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Beginning in 2014, ACA-compliant small group plans are limited to 3 to 1 age bands. A 21-year-old’s rate is set at 1.000, and all other employees and dependents are charged based on a factor of that rate. The standard age curve applies to the individual market as well.

Infographics 0

From KFF and JAMA: This infographic provides a step-by-step guide through the options and requirements for health coverage under the Affordable Care Act beginning in 2014, including coverage through an employer, a health insurance exchange, and Medicaid.

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Employers with 25 or fewer full-time equivalent employees and $50,000 or less in average wages may be eligible for a tax credit of up to 50% of what the employer is paying for employee and dependent health coverage. This calculator includes info from 2010 to 2013 as well as 2014 and beyond.