Build Back Better Child Care Copayment Calculator

November 15, 2021


The federal Build Back Better Act, now under consideration by Congress, would expand child care subsidy benefits to families making 250% or less of their state’s median income.

Using a copayment system similar to that utilized by health insurance companies, the federal government would help underwrite child care costs, with out-of-pocket copayments from families ranging from zero to seven percent of annual family income. Eligibility for this expanded benefit will phase in over a period of four years, beginning with families making at or below 100% their state’s median income.

To assist policymakers, child care providers, families, and other interested stakeholders in estimating their out-of-pocket costs under this proposed system, The Hunt Institute has developed an online cost calculator.

How to Use the Child Care Copayment Calculator:

  1. Select the state you live in.
  2. Type in estimated annual family income.
  3. Select how many people are in your family.

Using recent census bureau estimates of state median income and the copayment percentages in the current draft of the Act the calculator will provide an estimated copayment range. It will also display the year in which you are likely to become eligible to begin receiving benefits under the current proposal.


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