Put your own budget into the worked example.
This fast illustration shows the public 2026 federal rate and, for New York, the deliberately conservative combined planning case used across Care Assembly's public materials.
Employer illustration
“Eligible small business” is a statutory gross-receipts test, not a simple headcount test. Your advisor should determine which rate applies.
Illustrative net employer cost
Illustrative only, not tax advice or a quote. The New York view uses a conservative 70% combined public-planning assumption, not a promised state-credit calculation. Caps, qualified spending, entity structure, tax liability, state treatment, recapture, deduction interaction, and other facts may change the result. The employer's CPA or tax counsel owns the actual analysis and filing.
For a very small business
Try $8,000. That could mean two $4,000 contributions, four $2,000 contributions, or a different fair rule that fits the workforce. Care Assembly helps turn the budget into a broadly available program, not an ad hoc reimbursement.