Affordable employer coverage calculator, 2025
This works out one number from the ACA Affordability Percentage figures published for 2025. Every amount it uses is below, with the document it was read from. What you enter is your own: this site has no way to check it, and the answer it produces is not a published figure.
Effective 2025-01-01Source: Rev. Proc. 2024-35 (IRS)Verified 2026-08-30
Required contribution percentageSource: Publication 974 (2025), Premium Tax Credit (PTC) (IRS)Verified 2026-08-30
How it is worked out
The published percentage of the amount you enter, rounded to the nearest cent.
It uses Required contribution percentage, 9.02%, published above.
Figures in this colour are computed from the amounts above. They are not published figures and no document states them.
Work it out
The live calculator needs JavaScript. The table below covers common amounts and is computed the same way.
Worked out for common amounts
| Your household income for the year | Result |
|---|---|
| 25,000 | $2,255 |
| 50,000 | $4,510 |
| 100,000 | $9,020 |
| 200,000 | $18,040 |
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Publication 974 (2025), Premium Tax Credit (PTC) (IRS)
- Required contribution percentage
Your employer coverage is not considered affordable if, when you enroll in a qualified health plan, the Marketplace determines that your required contribution for employer coverage will be more than 9.02% of what the Market- place estimates will be your household income and there- fore that you are eligible for APTC for coverage in the qualified health plan.
Every 2025 ACA Affordability Percentage figure · ACA Affordability Percentage in every year · Every calculator on this site
The same calculator for another year: 2024, 2023, 2022, 2021, 2020, 2019, 2018, 2017, 2016