Marketplace MasteryACA & ACA Alternatives
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Marketplace MasteryACA & ACA Alternatives
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Tools · Employer coverage

Family Glitch Calculator

Test an employer’s offer for the employee and for the family, separately, against the threshold for the plan year.

Calculator

Rules last reviewed · Sources Runs in your browser. Nothing you type is sent or saved.

  • Plan years beginning in 2027: 10.22% Rev. Proc. 2026-26
  • Plan years beginning in 2026: 9.96% Rev. Proc. 2025-25

Ask the employer for

Most employers fill in the Marketplace’s Employer Coverage Tool or can point to the plan’s Summary of Benefits and Coverage (SBC). Either one answers these.

  • The employee-only premium for the lowest-cost plan that meets minimum value, and how often it’s deducted.
  • The premium for the same plan for the employee and every family member offered coverage.
  • The plan year start date.
  • Confirmation that the plan meets minimum value, for employee and for family coverage.
  • The Employer Coverage Tool filled in, or the plan’s SBC.

A screen, not an eligibility decision

This calculator gives a quick read for a client conversation. The Marketplace decides eligibility, and the amount of any premium tax credit, from the application. Results aren’t a subsidy approval and can’t replace it; the final credit is settled on the tax return.

Rules last reviewed

Sources