OpenChainGraph Suite · ART-298 · ACA employer mandate
ACA Affordability Safe-Harbor Calculator
Computes affordability under each of the three IRC 4980H(a)(1)(B) safe harbors (W-2 wages, rate-of-pay, federal poverty line) against a supplied lowest-cost self-only monthly premium, using the version-pinned 2026 affordability threshold (9.96%, IRS Rev. Proc. 2025-25 -- the largest single-year jump since indexing began). Supply whichever basis figures you have; harbors with a missing basis are reported as not computed rather than assumed. Not tax or legal advice. Zero network.
ACA Employer Mandate2026 threshold 9.96%Rev. Proc. 2025-25Zero PIIW3C VC §13.11
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Scope
Root node of the aca-226j-response-composer chain (art-298→299→300). Reports which safe harbor(s) an offer satisfies under supplied figures — not a determination of ACA compliance for all purposes.