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Coverage tier:
Model Parameters
Age 25 → 36
100 employees
$8,800
80% of SLCSP
9.7% / yr
$400
$600
6.0% / yr
How the iCHRA Allowance Works
The employer's HRA contribution is always 80% of the Silver SLCSP annualized premium — regardless of which plan the employee selects. The employee's payroll deduction = their chosen plan premium minus the HRA allowance. If the HRA allowance exceeds the plan premium (e.g. Bronze), the employee pays $0 in premium.
Time Value of Employee Savings — iCHRA Advantage Per Person
11-Year Summary Metrics
Employer Capital Loss / Gain Summary
Employer capital loss — cost of staying on ESI
Year-by-Year Comparison
ESI
iCHRA
Detailed Year-by-Year Data
| Yr | Age | ESI Gross / ee / yr | SLCSP Annualized | SLCSP Monthly Premium | HRA Allowance / yr | ESI Er Cost / yr | iCHRA Er Cost / yr | ESI Ee Premium | iCHRA Ee Premium | ESI Ee Burden | iCHRA Ee Burden | Ee Saves / yr | Wealth FV | Er Saves / ee |
|---|
HRA allowance = employer % × SLCSP annualized. Employee payroll deduction = max(0, chosen plan premium − HRA allowance). Family: ACA ≈ 2.5× single SLCSP · ESI ≈ 2.8× single. ACA age-rating per CMS 1:3 ratio curve. MI rates: 2026 CMS QHP Landscape PUF, applied as benchmark; WI rates: actual 2015–2026. ESI trend compounded annually.