If your ICHRA is considered "unaffordable," you may choose to opt out of the ICHRA and instead accept the premium tax credit for yourself and any family members enrolled in Marketplace,

Please note: if you waive coverage through an ICHRA and the ICHRA is considered affordable, you may not claim the premium tax credit for yourself or any family members.

We will help you determine whether your company’s ICHRA is affordable during your onboarding process. Be sure to log in and complete the required onboarding steps. We will guide you on whether to participate in the ICHRA or if you should waive coverage and accept tax credits instead.

You can also reference our Employee Affordability Calculator.

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