Evaluate affordability before implementation
Affordability plays an important role in ICHRA planning, particularly for employers that need to evaluate contribution strategies before offering coverage.
The Lirvion Affordability Calculator helps employers, brokers, and benefits teams model allowance scenarios using selected planning inputs. By adjusting key assumptions, users can explore how different contribution approaches may affect the outcome.
Affordability depends on multiple assumptions
Affordability depends on assumptions that rarely hold still — allowance amounts, income, age, plan pricing, and location all move independently.
Explore affordability from different angles
Affordability is influenced by several factors working together rather than by a single calculation. The calculator brings those planning inputs into one workspace so different scenarios can be compared.
Safe Harbor Inputs
Review the assumptions used for the selected safe harbor methodology
Household Income Assumptions
Incorporate available income assumptions when evaluating scenarios
Planning Context
Understand the assumptions, methodology, and calculation details behind each scenario
Affordability Results
See where affordability lands based on the assumptions included in the calculation
Employee Contributions
Estimate how employee premium responsibility may change across different allowance scenarios
Allowance Modeling
Compare different employer contribution amounts and see how they may influence the outcome
One employee is rarely the whole answer
Affordability decisions usually involve the whole group. Lirvion can help you evaluate the broader picture.