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{"sheet":"Instructions","index":0,"n_rows":17,"n_cols":1,"rows_kept":17,"cut":false,"hidden":true,"merged":[[0,0,0,11]]}
["Calculator Instructions"]
["Employee Affordability Calculator Instructions:"]
["• Enter Group Name (optional)"]
["• Select Plan Year Threshold (drop-down)"]
["• Enter Employer Contribution Percentage (Employee and/or Dependents)"]
["• Enter Employee Name(s) (optional)"]
["• Enter Employee(s) W2 or Rate of Pay"]
["• Enter Employee Monthly Premiums"]
["• Click the \"Clear Calculator\" button to clear data entered to start fresh"]
["• Use the \"Hourly Wage > Salary Calculator\" tab to calculate Employee Salaries based on Hourly Wage and Hours Worked"]
[]
["Wage Calculator Instructions:"]
["• Enter Employee(s) Name"]
["• Enter Employee(s) Hourly Wage (Format already set to currency)."]
["• Enter Employee(s) Hours Worked per Week."]
["• Salaries will auto-populate based on data entered in Columns C & D."]
["• Employee Name and Salary can be transferred to Contribution Calculator tabs using (Copy/Paste Values) function."]

{"sheet":"EE Only_Percentage Calculator","index":1,"n_rows":113,"n_cols":12,"rows_kept":113,"cut":false,"hidden":true,"merged":[[10,9,10,10],[9,9,9,10],[7,9,7,10],[9,3,9,5],[3,0,3,4],[10,3,10,5],[2,5,6,7],[10,6,10,8],[7,6,7,8],[8,6,8,8],[9,6,9,8],[10,0,10,2],[9,0,9,2],[1,0,1,10],[0,0,0,10],[7,3,7,5],[8,3,8,5],[8,9,8,10]]}
["                 Employee Affordability Calculator (Percentage)"]
["For Employers Contributing a Percentage Towards the Employee Premium"]
[]
["Group Name"]
[]
["*Select Plan Year",{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,3,FALSE)","v":0},"Employer Contribution:",0]
[{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,2,FALSE)","v":"-"}]
[null,null,null,"Lowest Plan Offering",null,null,"2nd Plan Offering",null,null,"3rd Plan Offering"]
[null,null,"Employer contribution","Carrier/Plan Name",null,null,"Carrier/Plan Name",null,null,"Carrier/Plan Name"]
["Employees Meeting Affordability",null,null,{"$f":"COUNTIF(F14:F113,\"Yes\")","v":0},null,null,{"$f":"COUNTIF(I14:I113,\"Yes\")","v":0},null,null,{"$f":"COUNTIF(L14:L113,\"Yes\")","v":0}]
["Employees NOT Meeting Affordability",null,null,{"$f":"COUNTIF(F14:F113,\"No\")","v":0},null,null,{"$f":"COUNTIF(I14:I113,\"No\")","v":0},null,null,{"$f":"COUNTIF(L14:L113,\"No\")","v":0}]
["Employee Name","W2 or\nRate of Pay","Affordability\nThreshold","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee"]
["Example: John Doe",70000,526.16999999999996,375,200,"Yes",375,200,"Yes",375,200,"Yes"]
["Employee 1",0,{"$f":"SUM(B14*TH_PERC)/12","v":0},0,{"$f":"SUM(D14*ERC_PERC)","v":0},{"$f":"IF($D14=0,\"-\",IF(AND(TH_PERC=0,$B14=0),\"-\",IF(D14-E14>$C14,\"No\",\"Yes\")))","v":"-"},0,{"$f":"SUM(G14*ERC_PERC)","v":0},{"$f":"IF(G14=0,\"-\",$F14)","v":"-"},0,{"$f":"SUM(J14*ERC_PERC)","v":0},{"$f":"IF(J14=0,\"-\",$F14)","v":"-"}]
["Employee 2",0,0,0,0,"-",0,0,{"$f":"IF(G15=0,\"-\",$F15)","v":"-"},0,0,{"$f":"IF(J15=0,\"-\",$F15)","v":"-"}]
["Employee 3",0,0,0,0,"-",0,0,{"$f":"IF(G16=0,\"-\",$F16)","v":"-"},0,0,{"$f":"IF(J16=0,\"-\",$F16)","v":"-"}]
["Employee 4",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 5",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 6",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 7",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 8",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 9",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 10",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 11",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 12",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 13",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 14",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 15",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 16",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 17",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 18",0,0,0,0,"-",0,0,"-",0,0,"-"]
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["Employee 20",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 21",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 22",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 23",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 24",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 25",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 26",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 27",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 28",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 29",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 30",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 31",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 32",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 33",0,{"$f":"SUM(B46*TH_PERC)/12","v":0},0,{"$f":"SUM(D46*ERC_PERC)","v":0},{"$f":"IF($D46=0,\"-\",IF(AND(TH_PERC=0,$B46=0),\"-\",IF(D46-E46>$C46,\"No\",\"Yes\")))","v":"-"},0,{"$f":"SUM(G46*ERC_PERC)","v":0},"-",0,{"$f":"SUM(J46*ERC_PERC)","v":0},"-"]
["Employee 34",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 35",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 36",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 37",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 38",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 39",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 40",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 41",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 42",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 43",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 44",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 45",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 46",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 47",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 48",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 49",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 50",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 51",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 52",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 53",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 54",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 55",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 56",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 57",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 58",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 59",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 60",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 61",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 62",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 63",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 64",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 65",0,{"$f":"SUM(B78*TH_PERC)/12","v":0},0,{"$f":"SUM(D78*ERC_PERC)","v":0},{"$f":"IF($D78=0,\"-\",IF(AND(TH_PERC=0,$B78=0),\"-\",IF(D78-E78>$C78,\"No\",\"Yes\")))","v":"-"},0,{"$f":"SUM(G78*ERC_PERC)","v":0},"-",0,{"$f":"SUM(J78*ERC_PERC)","v":0},"-"]
["Employee 66",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 67",0,0,0,0,"-",0,0,{"$f":"IF(G80=0,\"-\",$F80)","v":"-"},0,0,{"$f":"IF(J80=0,\"-\",$F80)","v":"-"}]
["Employee 68",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 69",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 70",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 71",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 72",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 73",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 74",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 75",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 76",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 77",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 78",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 79",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 80",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 81",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 82",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 83",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 84",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 85",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 86",0,0,0,0,"-",0,0,"-",0,0,"-"]
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["Employee 88",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 89",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 90",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 91",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 92",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 93",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 94",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 95",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 96",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 97",0,{"$f":"SUM(B110*TH_PERC)/12","v":0},0,{"$f":"SUM(D110*ERC_PERC)","v":0},{"$f":"IF($D110=0,\"-\",IF(AND(TH_PERC=0,$B110=0),\"-\",IF(D110-E110>$C110,\"No\",\"Yes\")))","v":"-"},0,{"$f":"SUM(G110*ERC_PERC)","v":0},"-",0,{"$f":"SUM(J110*ERC_PERC)","v":0},"-"]
["Employee 98",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 99",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 100",0,0,0,0,"-",0,0,{"$f":"IF(G113=0,\"-\",$F113)","v":"-"},0,0,{"$f":"IF(J113=0,\"-\",$F113)","v":"-"}]

{"sheet":"EE Only_Flat Dollar Calculator","index":2,"n_rows":113,"n_cols":12,"rows_kept":113,"cut":false,"hidden":true,"merged":[[8,9,8,10],[7,9,7,10],[10,0,10,2],[9,0,9,2],[0,0,0,10],[1,0,1,10],[10,6,10,8],[9,6,9,8],[8,6,8,8],[7,6,7,8],[10,3,10,5],[9,3,9,5],[8,3,8,5],[7,3,7,5],[3,0,3,4],[10,9,10,10],[9,9,9,10]]}
["                  Employee Affordability Calculator (Flat Dollar)"]
["For Employers Contributing a Flat Dollar Amount Towards the Employee Premium"]
[]
["Group Name"]
[]
["*Select Plan Year",{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,3,FALSE)","v":0},"Employer Contribution:",0]
[{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,2,FALSE)","v":"-"}]
[null,null,null,"Lowest Plan Offering",null,null," 2nd Plan Offering",null,null,"3rd Plan Offering"]
[null,null,"Employer contribution","Carrier/Plan Name",null,null,"Carrier/Plan Name",null,null,"Carrier/Plan Name"]
["Employees Meeting Affordability",null,null,{"$f":"COUNTIF(F14:F113,\"Yes\")","v":0},null,null,{"$f":"COUNTIF(I14:I113,\"Yes\")","v":0},null,null,{"$f":"COUNTIF(L14:L113,\"Yes\")","v":0}]
["Employees NOT Meeting Affordability",null,null,{"$f":"COUNTIF(F14:F113,\"No\")","v":0},null,null,{"$f":"COUNTIF(I14:I113,\"No\")","v":0},null,null,{"$f":"COUNTIF(L14:L113,\"No\")","v":0}]
["Employee Name","W2 or\nRate of Pay","Affordability\nThreshold","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee","Employee Monthly Premium","ER Contribution\nfor Employee","Affordable\nfor Employee"]
["Example: John Doe",70000,526.16999999999996,375,200,"Yes",375,200,"Yes",375,200,"Yes"]
["Employee 1",0,{"$f":"SUM(B14*TH_DOL)/12","v":0},0,{"$f":"IF($D14=0,0,ERC_DOL)","v":0},{"$f":"IF($D14=0,\"-\",IF(AND(TH_DOL=0,$B14=0),\"-\",IF(D14-E14>$C14,\"No\",\"Yes\")))","v":"-"},0,{"$f":"IF(G14=0,0,ERC_DOL)","v":0},{"$f":"IF(G14=0,\"-\",$F14)","v":"-"},0,{"$f":"IF(J14=0,0,ERC_DOL)","v":0},{"$f":"IF(J14=0,\"-\",$F14)","v":"-"}]
["Employee 2",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 3",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 4",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 5",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 6",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 7",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 8",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 9",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 10",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 11",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 12",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 13",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 14",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 15",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 16",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 17",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 18",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 19",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 20",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 21",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 22",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 23",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 24",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 25",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 26",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 27",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 28",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 29",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 30",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 31",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 32",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 33",0,{"$f":"SUM(B46*TH_DOL)/12","v":0},0,{"$f":"IF($D46=0,0,ERC_DOL)","v":0},{"$f":"IF($D46=0,\"-\",IF(AND(TH_DOL=0,$B46=0),\"-\",IF(D46-E46>$C46,\"No\",\"Yes\")))","v":"-"},0,{"$f":"IF(G46=0,0,ERC_DOL)","v":0},{"$f":"IF(G46=0,\"-\",$F46)","v":"-"},0,{"$f":"IF(J46=0,0,ERC_DOL)","v":0},{"$f":"IF(J46=0,\"-\",$F46)","v":"-"}]
["Employee 34",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 35",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 36",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 37",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 38",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 39",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 40",0,0,0,0,"-",0,0,"-",0,0,"-"]
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["Employee 64",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 65",0,{"$f":"SUM(B78*TH_DOL)/12","v":0},0,{"$f":"IF($D78=0,0,ERC_DOL)","v":0},{"$f":"IF($D78=0,\"-\",IF(AND(TH_DOL=0,$B78=0),\"-\",IF(D78-E78>$C78,\"No\",\"Yes\")))","v":"-"},0,{"$f":"IF(G78=0,0,ERC_DOL)","v":0},{"$f":"IF(G78=0,\"-\",$F78)","v":"-"},0,{"$f":"IF(J78=0,0,ERC_DOL)","v":0},{"$f":"IF(J78=0,\"-\",$F78)","v":"-"}]
["Employee 66",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 67",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 68",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 69",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 70",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 71",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 72",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 73",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 74",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 75",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 76",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 77",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 78",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 79",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 80",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 81",0,0,0,0,"-",0,0,"-",0,0,"-"]
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["Employee 96",0,0,0,0,"-",0,0,"-",0,0,"-"]
["Employee 97",0,{"$f":"SUM(B110*TH_DOL)/12","v":0},0,0,{"$f":"IF($D110=0,\"-\",IF(AND(TH_DOL=0,$B110=0),\"-\",IF(D110-E110>$C110,\"No\",\"Yes\")))","v":"-"},0,{"$f":"IF(G110=0,0,ERC_DOL)","v":0},"-",0,{"$f":"IF(J110=0,0,ERC_DOL)","v":0},"-"]
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{"sheet":"EE+Fam_Percentage Calculator","index":3,"n_rows":113,"n_cols":24,"rows_kept":113,"cut":false,"hidden":true,"merged":[[10,0,10,2],[10,3,10,9],[10,10,10,16],[10,17,10,23],[3,0,3,4],[8,3,8,9],[8,10,8,16],[8,17,8,23],[9,0,9,2],[9,3,9,9],[9,10,9,16],[9,17,9,23],[0,0,0,23],[1,0,1,23],[2,8,6,14],[7,3,7,9],[7,10,7,16],[7,17,7,23]]}
["Employee + Family Affordability Calculator (Percentage)"]
["For Employers Contributing a Percentage Towards the Employee and/or Dependent Premium Premium"]
[]
["Group Name"]
[null,null,null,"Employee","Dependents"]
["*Select Plan Year",{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,3,FALSE)","v":0},"Employer Contribution:",0,0]
[{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,2,FALSE)","v":"-"}]
[null,null,null,"Plan Option 1",null,null,null,null,null,null,"Plan Option 2",null,null,null,null,null,null,"Plan Option 3"]
[null,null,"Employer contribution","Carrier/Plan Name",null,null,null,null,null,null,"Carrier/Plan Name",null,null,null,null,null,null,"Carrier/Plan Name"]
["Employees Meeting Affordability",null,null,{"$f":"COUNTIF(I14:I113,\"Yes\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(P14:P113,\"Yes\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(W14:W113,\"Yes\")","v":0}]
["Employees NOT Meeting Affordability",null,null,{"$f":"COUNTIF(I14:I113,\"No\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(P14:P113,\"No\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(W14:W113,\"No\")","v":0}]
["Employee Name","Annual \nSalary","Affordability\nThreshold","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family"]
["Example: John Doe",70000,{"$f":"SUM(B13*9.12)/12","v":53200},375,780,null,200,400,"Yes","No",375,780,null,200,400,"Yes","No",375,780,null,200,400,"Yes","No"]
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{"sheet":"EE+Fam_ Flat Dollar Calculator","index":4,"n_rows":113,"n_cols":26,"rows_kept":113,"cut":false,"hidden":true,"merged":[[10,0,10,4],[10,5,10,11],[10,12,10,18],[10,19,10,25],[8,5,8,11],[8,12,8,18],[8,19,8,25],[9,0,9,4],[9,5,9,11],[9,12,9,18],[9,19,9,25],[0,0,0,25],[1,0,1,25],[3,0,3,5],[7,5,7,11],[7,12,7,18],[7,19,7,25]]}
["Employee + Family Affordability Calculator (Flat Dollar)"]
["For Employers Contributing a Flat Dollar Amount Towards the Employee and/or Dependent Premium"]
[]
["Group Name"]
[null,null,null,null,"Employee","Dependents"]
["*Select Plan Year",{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,3,FALSE)","v":0},null,"Employer Contribution:",0,0]
[{"$f":"VLOOKUP(A6,Thresholds!$A$2:$C$4,2,FALSE)","v":"-"}]
[null,null,null,null,null,"Plan Option 1",null,null,null,null,null,null,"Plan Option 2",null,null,null,null,null,null,"Plan Option 3"]
[null,null,null,null,"Employer contribution","Carrier/Plan Name",null,null,null,null,null,null,"Carrier/Plan Name",null,null,null,null,null,null,"Carrier/Plan Name"]
["Employees Meeting Affordability",null,null,null,null,{"$f":"COUNTIF(K14:K113,\"Yes\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(R14:R113,\"Yes\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(Y14:Y113,\"Yes\")","v":0}]
["Employees NOT Meeting Affordability",null,null,null,null,{"$f":"COUNTIF(K14:K113,\"No\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(R14:R113,\"No\")","v":0},null,null,null,null,null,null,{"$f":"COUNTIF(Y14:Y113,\"No\")","v":0}]
["Employee Name","Number of Dependents","Family Contribution","Annual \nSalary","Affordability\nThreshold","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family","Employee Monthly Premium","Family Monthly Premium","Dep only Premium","ER Contribution\nfor Employee","ER Contribution\nfor Family","Affordable\nfor Employee","Affordable\nfor Family"]
["Example: John Doe",1,null,70000,{"$f":"SUM(D13*9.12)/12","v":53200},375,780,null,200,400,"Yes","No",375,780,null,200,400,"Yes","No",375,780,null,200,400,"Yes","No"]
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["Employee 100",0,0,0,0,0,0,0,0,0,"-","-",0,0,0,0,0,"-","-",0,0,0,0,0,"-","-"]

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{"sheet":"Disclaimer","index":6,"n_rows":19,"n_cols":1,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
[]
["Determining whether an Applicable Large Employer’s (ALE’s) offer of coverage is affordable for employee is important because offering coverage that is affordable shields the employer from Penalty B under the Affordable Care Act"]
[]
["An employer offered plan is considered “affordable” if the employee’s share of the monthly premium in the lowest-cost plan that meets minimum value offered by the employer is less than 8.39% of household income. The test is based only on the cost for self-only coverage. "]
[]
["Under the Affordable Care Act (ACA), affordability safe harbors allow employers to determine whether the health coverage they provide to employees is considered affordable for the purpose of the employer shared responsibility provisions. These safe harbors are essential because employers may not always know their employees’ household income. Here are the three safe harbors:"]
[]
["1. Federal Poverty Level (FPL) Safe Harbor:"]
["Employers can use the FPL as a reference point to determine affordability. If the employee’s required contribution for self-only coverage (the premium they pay) does not exceed a certain percentage of the FPL, the coverage is considered affordable.  Most employers do NOT use this safe harbor because it results in the highest required employer contribution. "]
["2. Rate of Pay Safe Harbor:"]
["Employers can use an employee’s rate of pay (hourly, weekly, or monthly) to calculate affordability. If the employee’s required contribution for self-only coverage in the lowest cost plan that meets minimum value available to the employee does not exceed 8.39% of pay in 2024, the coverage is considered affordable."]
["This method provides a practical way to estimate affordability without knowing household income."]
["3. W-2 Wages Safe Harbor:"]
["Employers can use the employee’s Box 1 W-2 wages (reported in Box 1 of Form W-2) to determine affordability. If the required contribution for self-only coverage does not exceed 8.39% in 2024 of the employee’s W-2 wages at the end of that year, the coverage is considered affordable."]
["While this safe harbor simplifies the process by relying on readily available wage information, it also may need to be adjusted at the end of the year if estimated W-2 wages were higher or lower.  For this reason, most employers use the Rate of Pay Safe Harbor to ensure accuracy throughout the calendar year."]
[]
["This ACA Applicable Large Employer (ALE) Affordability calculator simplifies the process for determining affordability.  It can be used with the Rate of Pay Safe Harbor or the W-2 Safe Harbor."]
[]
["Please reach out to your Sales Consultant if you have any questions."]

{"sheet":"Thresholds","index":7,"n_rows":4,"n_cols":5,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
["Year","Plan Year Description","Threshold",null,"Calculator Type"]
["*Select Plan Year","-",0,null,"Employee Only"]
[2024,"(Plan year beginning in 2024)",8.3900000000000002E-2,null,"Employee + Family"]
[2025,"(Plan year beginning in 2025)",9.0200000000000002E-2]