Would a CHOICE Arrangement cost less than your group plan?

No. A CHOICE Arrangement has no market price. You choose the contribution, and that choice is the budget. What this compares is what equivalent coverage would cost if the same people bought it individually instead of through your group plan. If the individual market prices lower, a contribution somewhere between the two numbers gives your people comparable coverage and gives you a fixed line item. If it prices higher, funding to equivalence costs you more.

Employer plus employee. Your total plan spend, before anyone's payroll deduction comes out. Use the number your carrier bills you, not your net after employee contributions. Comparing your net cost against a full individual market premium would make the gap look far larger than it is.

Then the comparison understates what you have. Silver sits at roughly 70% actuarial value, meaning the plan covers about 70% of expected costs across a standard population. A Gold-equivalent group plan is worth more than the Silver figure shown here, and moving people to Silver-level coverage would be a benefit cut even if the dollars look better.

↳ If your plan runs closer to Gold, add roughly 15 to 20% to the individual market figure before you compare.

Because an employee who gets an affordable CHOICE Arrangement offer can't claim them. That's the rule. Any comparison that adds subsidies to the individual market side is comparing a world where you make the offer against a world where you don't, which isn't the decision in front of you.

Subsidies matter enormously if you're deciding whether to offer coverage at all. They don't belong in a cost comparison between two ways of offering it.

A few percent, usually. The calculation uses the midpoint of each band, so a group clustered at the top of the 50 to 59 band prices higher in reality than shown, and one clustered at the bottom prices lower.

The direction of the answer rarely changes. If the gap is within about 5%, treat it as a tie and look at the other factors instead: claims volatility, renewal history, how spread out your people are, and how much a fixed budget is worth to you.

Then run it once per location. Rating areas are built from counties, and the same employee can price 30% apart across a state line. A single company-wide number hides that, and it's the most common reason a CHOICE Arrangement design passes in the head office and fails in a satellite.

↳ Use the county lookup for each location, then run this comparison per site.

21 jurisdictions run their own health insurance exchanges and file rates with their state regulator instead of into the federal public use files. Those rates aren't in the federal dataset, so we don't pre-fill them rather than publish a figure we reconstructed.

You can pull the lowest-cost Silver rate for a 21-year-old from your state exchange in a few minutes and enter it directly. The rest of the calculation works the same way.

Nothing. There's no form, no email capture, and no data leaves your browser. Everything runs client-side in JavaScript, so your census and your plan cost never reach a server.

If you want the arithmetic checked against your actual renewal and your actual census, that's a conversation. This page is so you can walk into it already knowing the number.