Find your plan and your tax credit

An offer of coverage at work can stop them getting a tax credit here. It is tested twice, once on what the employee would pay for themselves and once on what the whole family would cost, so it often blocks one person and not the others.

Both boxes are the payroll deduction, what actually comes out of the check, not what the plan costs the employer. Take them off the benefit summary as printed: the employee-only rate and the family rate. For the first box use the cheapest plan the job offers that covers one person, even if they are on a richer one.

This assumes the job's plan meets the ACA's minimum value standard, meaning it pays at least 60% of covered costs. Most employer plans do, and the plan's Summary of Benefits and Coverage says whether it does. A plan that does not, such as a limited benefit or mini-med plan, never blocks a tax credit, whatever it costs. If the employer offers a health reimbursement arrangement (ICHRA or QSEHRA) instead of a plan, different rules apply, so ask us. It is an estimate, not an eligibility determination: Your Health Idaho decides.