Family Glitch Calculator (2026)

“Marketplace Health Insurance” covers the employee’s tax family—spouse and dependents. Costs for anyone not on the tax return, like adult children or partners, aren’t included in the affordability test.
An employer plan meets the “minimum value standard” if it covers at least 60% of total allowed benefit costs.

Family Glitch Calculator 2026

Uses the 2026 affordability threshold of 9.96% of household income.

What is the approximate 2026 annual income for your tax household?

Please state your required contribution per paycheck to purchase the lowest-cost single (employee-only) health insurance offered by your employer that meets Minimum Value Standard.

Please state your required contribution per paycheck to purchase the lowest-cost (Family) health insurance offered by your employer that meets Minimum Value Standard.

Premium Entry Mode

Affordability Threshold (2026): 9.96% of income

Employee affordability uses employee-only premium · Family affordability uses family premium.

Employee

NOT ELIGIBLE

Employee required contribution (annualized): $0.00 (0.00%)

Affordability cap @ 9.96%: $0.00

EMPLOYEE - INELIGIBLE: You will likely not qualify for financial help with individual health insurance outside of your employer's plan.

Family

NOT ELIGIBLE

Family required contribution (annualized): $0.00 (0.00%)

Affordability cap @ 9.96%: $0.00

FAMILY - INELIGIBLE: Your family members will likely not qualify for financial help with individual health insurance outside of your employer's plan.