EnrollMath
Free · no signup · Updated

Marketplace vs employer plan calculator

Income, household size and two prices. That’s it.

How it works: We apply the IRS affordability percentage to your income, then the premium tax credit table for your poverty-level band, using the benchmark silver plan.

General education, not insurance, tax or legal advice. Simplified math (deductible, then coinsurance, up to the out-of-pocket max). It can't see your plan's network, drug list or exact rules. Check your plan's Summary of Benefits and Coverage.

Marketplace inputs

Modified AGI: roughly your adjusted gross income.

Benchmark = second-cheapest silver plan for your ZIP on HealthCare.gov (“See plans and prices”).

Advanced options
Coverage year
Who needs coverage?

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Guides

HSAHSA limits 2026HSAHSA limits 2027COBRACOBRA FAQCOBRACOBRA vs marketplace

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