The Individual Coverage HRA Employer Lowest-Cost Silver Plan (LCSP) Premium Look-up Table for Plan Year 2025 is Now Available

The Individual coverage Health Reimbursement Arrangements (HRA) Employer Lowest-Cost Silver Plan (LCSP) Premium Look-up Table for Plan Year 2025 is now available on the CMS Health Reimbursement Arrangements webpage.

The tool is available to help employers determine whether an individual coverage HRA offer is considered affordable for purposes of validating they are making affordable offers of coverage to their employees and avoiding the employer responsibility payment. The table allows users in states participating in the Federally-facilitated Exchange (FFEs) and State-based Exchanges on the Federal Platform (SBE-FPs) to access individual market Qualified Health Plans (QHP) LCSP data by geographic location.

New for Plan Year 2025, the tool includes publicly posted information related to lowest cost Silver plans in select State-based Exchanges (SBEs), including California, Colorado, Idaho, Kentucky, New York, and Rhode Island. For information on SBEs not listed, please contact the SBE directly.  Links to contact information for each SBE may be found on their respective websites, listed here.

To learn more about individual coverage HRAs and how they may impact employees’ and their dependents’ eligibility for financial assistance for Marketplace coverage, see this resource.

Have additional questions? Contact the Agent/Broker Email Help Desk at FFMProducer-AssisterHelpDesk@cms.hhs.gov.