Feature
ACA Compliance Modeler
Review ACA affordability estimates alongside the employer and employee contribution choices. Confirm the selected plan year, safe harbor and source rules before sharing a recommendation.
Page 1 of 3Per-paycheck deductions by tier on the actual pay schedule.
What you get
Why ACA Compliance Modeler?
- Affordability CalculatorEstimate contribution limits with the public calculator, using the selected plan year and safe-harbor inputs.
- Penalty Exposure AnalysisReview the published plan-year penalty amounts alongside affordability assumptions; an estimate does not establish an actual assessment.
- Plan-Year ReviewConfirm the IRS threshold and penalty amounts for the plan year. Automatic updates inside the product have not been demonstrated by the published examples.
- Employee AssumptionsKeep the employee income measure and contribution assumptions with the analysis. Confirm eligibility for the safe harbor separately.
- Proposal ContextReview employer and employee costs in the proposal. A proposal cost page is not an IRS compliance report.
- Contribution ReviewCompare contribution choices with the calculator estimate before sharing the recommendation.
Affordability estimates and the evidence behind them
Use the public ACA affordability calculator to estimate a contribution limit. Product affordability modeling is documented, but the published worked examples do not demonstrate automatic alerts, population-wide safe-harbor checks, annual product updates or dedicated compliance-report exports. Confirm the workflow available in your workspace.
Inputs and outputs
What goes in, what comes out.
You bring
- The plans and the contribution strategy already modeled in the Planlined case.
- Plan rates by coverage tier, read from the carrier quotes, SBCs and rate sheets you uploaded.
- The group's total full-time employee count, and how many employees are expected to receive a premium subsidy.
You get back
- A contribution-limit estimate from the public calculator, based on the selected plan year and inputs.
- Employer and employee cost scenarios to review alongside that estimate.
- A record of the assumptions to confirm with the employer's compliance adviser; no compliance determination is made here.
Every accepted file type and export format is listed on the integrations, exports and API page, and the one-page summary of what Planlined is and is not lives on Planlined product facts.
When to use it
Where it fits in a renewal.
- Before shifting cost to employeesWhen a renewal pushes the employer toward a bigger employee share, check affordability on the new split before it goes into the proposal.
- When the committee asks about penaltiesReview the published penalty amounts and the contribution assumptions with the employer's compliance adviser before treating an estimate as an assessment.
- Keeping a record of the decisionKeep the calculator inputs, selected plan year and reviewed contribution assumptions with the recommendation.
What it does not do
- It is not a benefits administration or enrollment system. It models affordability for the plans in the case; employee elections happen elsewhere.
- It does not quote plans. Rates come from the carrier documents you upload, not from carrier rate feeds.
- It is one input to a recommendation, not a replacement for the employer's own compliance review or legal advice.
ACA affordability modeling questions
What does the ACA Compliance Modeler calculate?
The public ACA affordability calculator estimates an employee contribution limit from the selected plan year and safe-harbor inputs. Product affordability modeling is documented, but the published worked examples do not establish automatic compliance checking or a legal compliance determination.
Where do the contribution figures in the affordability check come from?
Review the employer and employee split from the contribution model alongside the public calculator estimate. Record the income measure, plan year and safe harbor separately; automatic synchronization with that calculator has not been demonstrated.
Can the affordability analysis go to the client?
You can share reviewed contribution costs in proposal materials. Dedicated ACA compliance-report exports have not been demonstrated by the published examples; a per-paycheck proposal page is not an IRS compliance report.
Run your next renewal through Planlined.
Upload the carrier packet. Walk out with the comparison, the proposal book and the employee guide.