Calculators & Tools – new page

On this page you’ll find a number of calculator tools and charts relevant to the individual, small group, and large group markets. We developed many of the calculators ourselves in 2013 to explain concepts that were new at the time, but many of the calculators are still useful in understanding parts of the law. We have also included a couple of tools developed by the federal government and by other organizations.

Actuarial and Minimum Value

Age Compression

Cadillac Tax

  • Cadillac Tax Calculator – The Alliance
    This calculator helps employers understand how the health benefits excise tax on high valued health plans could impact their company.

Composite Rates

  • Composite Rate Calculator – ComedyCE.com
    This calculator tool converts member-level employee-only rates to a composite rate herunterladen mms nicht möglich. This could be helpful for small employers who want to average the age-banded rates for their employees beginning in 2014 so they can charge each employee the same amount.

Employer Mandate

  • Play or Pay Calculator – ComedyCE.com
    This calculator tool will help large employers who are subject to the shared responsibility requirement in 2015 compare the amount they would pay in tax-deductible premiums if they offer coverage with the amount they will pay in after-tax penalties if they don’t herunterladen.
  • Health Mandate Cost Calculator – National Retail Federation
    This calculator tool will help a group determine how many full-time equivalent (FTE) employees it has and how much it will pay in penalties if it does not offer coverage beginning in 2015.
  • Play or Pay Calculator – Unum
    Beginning in 2015 and 2016, many employers will have to provide health insurance for their employees or pay a penalty to the government alte mac os version herunterladen. This is called the employer mandate, otherwise known as “pay or play.” This short quiz can help you decide whether to pay or play.
  • Employer Mandate Calculator – Sterling Healthworks
    Developed by Sterling.
  • Employer Mandate Penalty Calculator
    Developed by the U.S convert2mp3 musik downloaden. Chamber of Commerce. Out of date.

Federal Poverty Level

  • Federal Poverty Level Chart (2013)
    This chart shows the annual income for households with 1 to 8 family members at 100%, 133%, 200%, 250%, 300%, and 400% of the Federal Poverty Level. Separate charts for Alaska and Hawaii.

Full-Time Equivalents

  • FTE Calculator
    This calculator tool will help a group determine how many full-time equivalent (FTE) employees it has jing kostenlos downloaden. Beginning in 2015, employers with 50 or more FTEs will be required to offer group health insurance or will pay a shared responsibility penalty.
  • FTE Calculator – Sterling Healthworks
    Developed by Sterling.

Individual Mandate

Premium Tax Credits

Safe Harbor

  • Safe Harbor Contribution Calculator – ComedyCE.com
    This calculator tool will help large employers who are subject to the shared responsibility requirement in 2015 determine if any of the safe harbor options available to them will help them avoid an affordability penalty.

Small Group Tax Credit

  • Small Group Tax Credit Calculator – Small Business Majority
    This calculator is great. Very user-friendly and very informative. It will show the potential small employer tax credit for different group sizes, average incomes, and employer contribution amounts.
  • Small Group Tax Credit Calculator – House.gov
    This calculator is technically accurate but not very useful and includes info from 2010 to 2013 as well as 2014 and beyond.