Small Business Health Insurance Cost Calculator
Last updated: October 15, 2026
Estimate a small employer’s annual health-insurance cost from employee count, premiums, employer contribution, administration and potential credits.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual employer cost
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- Estimated monthly employer cost: —
- Employer premium contribution: —
- Administration cost: —
- Credits or subsidies applied: —
On this page
Quick summary: Estimate a small employer’s annual health-insurance cost from employee count, premiums, employer contribution, administration and potential credits.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a small employer’s annual health-insurance cost from employee count, premiums, employer contribution, administration and potential credits.
How to use it
Enter Covered employees; Average monthly premium per employee ($); Employer contribution (%); Monthly administration cost per employee ($); Estimated annual credits or subsidies ($). Select Calculate to update the results.
How the calculation works
The calculator multiplies employee count by the monthly premium and employer contribution, annualizes the result, adds administration costs and subtracts entered credits.
Worked example: starting scenario
| Covered employees | 12 |
|---|---|
| Average monthly premium per employee ($) | 750 |
| Employer contribution (%) | 70 |
| Monthly administration cost per employee ($) | 25 |
| Estimated annual credits or subsidies ($) | 0 |
| Estimated annual employer cost | $79,200.00 |
|---|---|
| Estimated monthly employer cost | $6,600.00 |
| Employer premium contribution | $75,600.00 |
| Administration cost | $3,600.00 |
| Credits or subsidies applied | $0.00 |
Important limitations
Group rates, participation rules, plan design, age bands, geography, dependents, broker fees, taxes and eligibility for credits can materially change actual cost.