ACA Compliance & Reporting

Our robust ACA solutions ensure customers have accurate and complete data in place to complete the required IRS Forms 1094 and 1095. We understand the intricate and ever-changing landscape of healthcare regulations, and we help employers navigate the Affordable Care Act with confidence.

Who the employer mandate applies to

Companies that employ 50 or more full-time equivalent employees are defined as Applicable Large Employers (ALEs). The employer mandate requires all ALEs to offer minimum essential coverage that is both affordable and provides minimum value, or face a penalty.

The trap is that ALE status is calculated on full-time equivalents, not headcount. Employers with large part-time or seasonal populations frequently cross the threshold without realizing it.

Where compliance actually breaks down

Employers today face a range of challenges: tracking employee hours, offering qualifying coverage, and accurately reporting that information to the IRS. Most penalty notices trace back to measurement-period tracking that was never set up properly, or to affordability calculated against the wrong safe harbor.

With our expertise, we streamline this process — offering a thorough assessment of your current benefits structure, assistance developing ACA-compliant health plans, and meticulous reporting to meet regulatory requirements.

Beyond mere compliance

Our team stays abreast of the latest changes in healthcare legislation, ensuring your business remains up to date. We go beyond compliance: we optimize your benefits strategy, helping you provide competitive and attractive healthcare offerings while mitigating the risks of non-compliance.

What’s included

• Applicable Large Employer determination
• Measurement, administrative and stability period tracking
• Affordability safe harbor testing
• Minimum value plan review
• Forms 1094-C and 1095-C preparation
• IRS electronic filing
• Employee statement distribution
• Letter 226-J penalty notice response support

Common questions