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ACA Affordability Considerations

Overview of ACA affordability requirements for employer-sponsored health coverage, including annual percentage thresholds, IRS safe harbors (FPL, Rate of Pay, Form W-2), and key factors affecting employee contributions such as flex credits, opt-out incentives, and wellness programs.

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February 2026 EB Compliance Recap

In early January 2026, the U.S. Department of Health and Human Services (HHS) and the Centers for Disease Control (CDC) released major updates to the childhood immunization schedule, marking one of the most significant changes in decades.

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ALE Determination for ACA Reporting

A successful ACA compliance strategy starts with understanding whether your organization qualifies as an Applicable Large Employer (ALE). This determination shapes your reporting obligations and sets the foundation for everything that follows. To help you approach this step with confidence, we’ve created a short explainer video and curated resources that walk you through the process and provide tools for accurate calculation. 

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Determining ALE Status

Overview of ACA Applicable Large Employer (ALE) status requirements, featuring FTE calculations, seasonal worker guidelines, controlled group rules, and merger or acquisition effects.

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October 2025 EB Compliance Recap

In October, the IRS announced 2026 penalties for failure to file or furnish ACA reporting and issued 2026 cost-of-living adjustments for several provisions of the Internal Revenue Code that affect employer-sponsored benefit plans. ERISA welfare plans with 100 or more participants had to file Form 5500 within seven months of the plan year’s end, with an optional extension to October 15.

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What "covered" should feel like.

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