Interactive Tool

Contribution strategy modeler

How you split the premium shapes your budget and your team’s paychecks. Compare three common approaches side by side — and see which keeps coverage affordable.

Your plan & enrollment

A simple two-tier view — employee-only vs. family.

Enrolled employees75

Share electing family coveragethe rest take employee-only35%

Employee-only premiumfull monthly rate$650

Family premiumfull monthly rate$1,750

Dial in each strategy

Percent of premiumemployer share, all tiers75%

Flat dollaremployer $/employee/month$450

Tiered — employee-onlyemployer share on EE-only85%

Tiered — familyemployer share on family55%

Affordability cap (employee-only)most an employee can pay for self-only coverage and still meet the ACA test$215

Not sure? The ACA Affordability Check calculates this cap from your employees’ pay.

Percent of premium

Employer pays 75% of every tier

Employer cost / year

$698,625

Employee-only pays$163/mo

Family pays$438/mo

Employee-only cost is within your affordability cap.

Flat dollar

Lowest employer cost

Employer pays $450/mo per employee

Employer cost / year

$405,000

Employee-only pays$200/mo

Family pays$1,300/mo

Employee-only cost is within your affordability cap.

Tiered percent

85% on employee-only, 55% on family

Employer cost / year

$626,400

Employee-only pays$98/mo

Family pays$787/mo

Employee-only cost is within your affordability cap.

Percent of premium

Simple and predictable for employees, but your cost rises automatically with every renewal.

Flat dollar

Caps your exposure — the company pays a fixed amount and employees absorb the rest as rates climb.

Tiered percent

Protects single employees while sharing more of the family premium — a common way to balance both.

This modeler compares strategies on the figures you enter, for general educational purposes only. Real contribution design also weighs recruiting, retention, and compliance. Talk with an FBP advisor to design a contribution strategy that fits your goals and budget.

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