ICHRA tax savings calculator
The Lirvion ICHRA Tax Savings Calculator helps employers evaluate contribution scenarios using estimated employer funding, payroll tax assumptions, employee participation, and other planning inputs. The goal is not to predict an exact financial outcome, but to provide a structured starting point for reviewing different approaches.
Tax savings calculator
Estimated Annual Savings *
$6,500
This is an estimate of potential annual tax savings from using ICHRA instead of raising salaries to cover a group health plan. Actual savings may vary based on your specific workforce and contribution levels.
Why this number?* Estimate only. Based on a 12% employer payroll tax rate, a 22% employee income tax rate, and Lirvion's standard platform fee.
How we calculate your savings
Explore the financial assumptions behind an ICHRA strategy
Changes in employer contributions, participation levels, and workforce structure may influence projected program costs. The calculator brings those assumptions together so they can be reviewed before implementation begins.
Employer funding
Model monthly allowance amounts across employee classes and see how different contribution levels may affect projected employer spending.
Payroll tax estimates
Review estimated payroll tax implications associated with employer-funded ICHRA allowances.
Participation assumptions
Adjust expected participation levels to understand how enrollment may influence projected costs.
Annual cost estimates
View estimated monthly and annual benefit spending based on the information entered into the calculator.
Results overview
See where the numbers land based on the assumptions included in the calculation.
Scenario modeling
Test different contribution and participation assumptions to see how they may change the estimate.
Ready to offer health benefits your team will actually value?
Tell us about your team, and we'll help you explore an ICHRA strategy built around your budget, workforce, and administration needs.