Free health benefits calculators for employers

Check ACA affordability, count full-time equivalents and estimate COBRA premiums with the current IRS and Department of Labor rules. Each calculator runs in your browser and explains the rule behind the number.

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October 13, 2026COBRA cost calculatorFree COBRA cost calculator: the most COBRA can cost per month (102% of the full premium, 150% in a disability extension) and the total over 18, 29 or 36 months.
October 13, 2026ACA affordability calculator for 2026 and 2027Free ACA affordability calculator: check an employee's contribution against the 9.96% (2026) and 10.22% (2027) limits under the FPL, rate of pay and W-2 safe harbors.

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Answer a few questions about your team and get a quote in about 60 seconds, or talk it through with one of our benefits experts.

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