Free employer benefits budgeting tool
Commercial Health Insurance Contribution Budget Calculator
Estimate the employer cost of a health plan using eligible employees, expected enrollment, coverage-tier premiums, employer contribution levels, administration costs and renewal increases.
Simple employer budget
User-entered premiumsEstimate contribution cost across four coverage tiers
Workforce & participation
Coverage-tier mix
Coverage tierEnrollment mixMonthly premiumEmployer contribution
Employee only
%
$
%
Employee + spouse
%
$
%
Employee + child(ren)
%
$
%
Family
%
$
%
Renewal & budget assumptions
Simple methodExpected enrollment = eligible employees × enrollment rate. Coverage-tier enrollment is allocated using the entered tier mix; if the mix does not total 100%, the calculator normalizes it proportionally. Employer premium contribution = enrolled members × monthly premium × employer contribution percentage × 12. Administration is added separately. Renewal years grow premiums, enrollment and administration costs independently.
Coverage-tier budget
Year 1Employer and employee cost by coverage tier
| Tier | Estimated enrollment | Monthly premium | Annual premium | Employer annual share | Employee annual share | Employer share % |
|---|
Renewal forecast
Employer budget as premiums and participation change
| Year | Expected enrollment | Total premium | Employer premium contribution | Administration | Total employer cost | Budget status |
|---|
Advanced contribution model
Group-level contribution policyBudget health benefits across six employee groups
Portfolio assumptions
Employee groups / plan populations
GroupEligibleEnrollmentAvg monthly premiumEmployer contributionEmployer monthly capHSA/HRA annual fundingAdmin / enrolled / monthParticipation change / year
Advanced methodEach group calculates expected enrollment from eligible employees and participation. Employer premium contribution equals the lesser of premium × employer contribution percentage or the entered monthly employer cap when a cap is greater than zero. HSA/HRA funding and administration are added per enrolled employee. Future years grow headcount, premiums and administration costs and adjust each group's participation using the entered annual participation change.
Group budget table
Year 1 employer cost by employee group
| Group | Eligible | Expected enrolled | Annual premium | Employer premium share | Employee premium share | HSA/HRA funding | Admin cost | Total employer cost |
|---|
Five-year forecast
Employer benefits budget over time
| Year | Eligible employees | Expected enrollment | Total premium | Employer premium share | Funding + admin | Total employer cost | Employer budget | Status |
|---|
Premium-increase sensitivity
Employer cost at different renewal increases
| Annual premium increase | Year 1 employer cost | Final-year employer cost | Forecast-horizon cost | First budget breach |
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Contribution-policy sensitivity
Cost of changing employer contribution percentages
| Contribution adjustment | Employer premium share | Year 1 employer cost | Employee premium share | Annual change vs. baseline |
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Scope
Budget planning is not benefits-law or plan-design advice
This calculator uses the premiums and contribution assumptions you enter. It does not test ACA affordability, minimum value, ERISA requirements, nondiscrimination rules, cafeteria-plan rules, state insurance requirements, tax treatment, carrier participation rules or whether a particular contribution strategy is permitted. Validate plan design and employer contribution policy with the carrier, broker, benefits administrator and qualified advisers.