Benefit Compliance Made Simple
Staying compliant isn’t just a requirement it’s a responsibility. The rules around ERISA, ACA, COBRA, HIPAA, and other regulations are complex, and even small oversights can lead to costly penalties.
Understanding the Affordable Care Act (ACA) can feel complex especially when you’re focused on running your business, supporting your team, and managing everyday operations. Our team helps make compliance easier to navigate. We help you understand what’s required, ensure your health plans meet federal standards, and handle reporting so you can focus on what matters most.
ACA compliance ensures your business:
Stays in good standing with federal regulations
Avoids costly penalties and administrative headaches
Supports employee well-being through fair, comprehensive coverage
Demonstrates commitment to doing right by your workforce
Here's What Employers Need to Know:
Essential Health Benefits
Plans must include coverage across ten benefit categories, including:
Ambulatory (outpatient) services
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use services
Prescription drugs
Rehabilitative and habilitative services
Laboratory services
Preventive and wellness services
Pediatric care, including dental and vision
Reporting Requirements
Employers must annually file:
- Forms 1095-C and 1094-C with the IRS.
- Provide Form 1095-C to each full-time employee.
These forms detail the coverage offered and help the IRS enforce the individual and employer mandates.
Accurate and timely filing is essential — missed deadlines or incorrect data can result in substantial IRS penalties.
Minimum Essential Coverage (MEC)
Covers essential services such as hospital stays, emergency care, maternity and newborn care.
No cost for preventive service.
Ensures that employees have access to care without facing high out-of-pocket costs.
No annual or lifetime limits set.
Dependent coverage to age 26.
Waiting periods for new hires can not exceed 90 days.