The decision an ICHRA forces

"Take the ICHRA — or the tax credit?"

The IRS affordability test decides whether you even have a choice. Enter four numbers and see where you land, with the math shown step by step. Nothing leaves your device.

About you

Where you live (or work, if your notice says so). Plans are priced by area.
Premiums rise with age — this scales the estimate.
The number you'd put on a Marketplace application — all household earners.
You, a spouse, and anyone you claim as a dependent. Used only for the tax-credit estimate.

Your numbers

Employee-only amount from your notice — even if you'll cover family.
Leave blank and we'll estimate it from your ZIP and age. If you have the real number from the Marketplace, enter it — it wins.
IRS figure for 2026. It changes yearly — check the current one.
Result

The math, step by step

This mirrors the IRS "affordability" test for ICHRAs using the figures you entered. When the silver premium is estimated, it is a 2026 state average scaled for age; actual premiums vary by county and can differ meaningfully. Your employer may use your work location rather than home location for the benchmark plan, and household income is an estimate — so treat this as a strong indication, not a determination. The Marketplace application makes the official call when you apply. Education only; not tax advice.