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Health tools ·
2026 figures
Family Glitch Calculator for Arizona 2026
Since 2023 the affordability of job-based coverage is judged twice: once on the lowest-cost plan covering only the employee, and again on the lowest-cost plan covering the whole family. When the answers differ, the family can buy Marketplace coverage with a tax credit while the employee stays on the work plan.
In clients' words
What working with Viola looks like
Viola is amazing to work with she really helped my aunt get on the correct insurance plan that meet her health needs! It was so easy to communicate with Viola. She makes sure she reviews our plan every year and educates us on any changes. We have peace of mind which is hard to come by with health insurance!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Applies the 2026 required contribution percentage of 9.96% from IRS Rev. Proc. 2025-25.
- Uses the lowest-cost employer plan that meets minimum value, not necessarily the one you chose.
- Figures are your share of the premium, not what the employer pays.
- In 2026, a household above 400% of the poverty level gets no premium tax credit even if the family plan is unaffordable.
- Affordable employer coverage blocks a tax credit. It does not stop you buying a Marketplace plan at full price.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- IRS Rev. Proc. 2025-25: 2026 applicable percentage table and required contribution percentage Internal Revenue Service, 2026
- HHS poverty guidelines 2025 (coverage year 2026) U.S. Department of Health and Human Services, 2025
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real Marketplace plans for your ZIP code:
Rise Up Benefits Group is not affiliated with, endorsed by, or operating on behalf of HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
Common questions
What is the family glitch fix?
Since 2023, the affordability of job-based coverage for family members is judged on the cost of the family plan, not the employee-only plan. If the family plan costs too much, the spouse and children may qualify for a Marketplace tax credit.
What counts as affordable employer coverage in 2026?
Coverage costing the employee no more than 9.96% of household income for 2026 plan years (IRS Rev. Proc. 2025-25).
Can my spouse and kids get a Marketplace plan while I keep my work plan?
Yes, if the family offer is unaffordable and household income is between 100% and 400% of the poverty level in 2026. Each person is then on a different plan, with separate deductibles.
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We speak insurance, so you don't have to.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776