ACA Decision Support Tool

An effective ACA strategy for tomorrow
starts with knowing where you stand today.

With the additional one year delay of the employer shared responsibility (play or pay) rules by the Treasury for businesses with 50-99 employees, some assume that there is no rush to deal with the ACA. As a trusted employee benefits advisor, you know that this is not the case. What the delay means is that certain employers now have more time to evaluate, plan and implement strategies to optimize employee health benefits and minimize taxes. Final “play or pay” regulations are out, and for larger employers, the January 2015 deadline is fast approaching.

Be prepared to meet your clients’ or company’s needs with the new ACA Decision Support Tool on Checkpoint.

Employer Shared Responsibility Tax Video

See an overview of the employer shared responsibility requirement – plus important upcoming dates

How it Works

With the ACA Decision Support Tool, simply input employer-specific data to generate a customized analysis of the ACA’s impact, including a determination of whether a business is an applicable large employer subject to the employer shared responsibility rules and the potential play or pay penalties. You can also assess the impact of adding or dropping employees, converting employees from full-time to part-time status, or increasing or decreasing employees’ share of premiums. See practical applications of the tool

Throughout the program, helpful embedded guidance explains the purpose and importance of the inputs and calculations. You will have the ability to run an unlimited number of scenarios and reports, and the tool will be continually updated to reflect the evolving rules and regulations associated with the Affordable Care Act.

Practical Applications

Practical applications of the ACA Decision Support Tool include:

  • Determining number of full-time equivalent employees
  • Determining whether the employer is an “applicable large employer” subject to employer shared responsibility requirements
  • Determining the impact of the employer shared responsibility (“play or pay”) requirements over multiple years
  • Assessing the impact of adding or dropping employees
  • Assessing the impact of increasing or decreasing employee contributions to the cost of coverage
  • Assessing the impact of converting employees from full-time to part-time status
  • Determining a strategy for defining Measurement, Administrative, and Stability Periods within the requirements of the ACA for purposes of ongoing ACA compliance and reporting
  • Evaluating the “affordability” of health care coverage
  • Allowing employers and their advisors to better understand the relevant requirements of the ACA, remain compliant, minimize taxes, and avoid penalties

Key Benefits

ACA Decision Support Tool provides these key benefits:

  • Demonstrate the impact of multiple coverage scenarios on an employer and recommend the best scenario to the owner(s) or management team
  • Help employers minimize taxes and penalties associated with the ACA
  • Enhance value to the organization
  • Increase confidence when interacting with other professional advisors

The complex questions raised for employers by the ACA present a unique opportunity for you to demonstrate your value to your clients and help them proactively prepare for the challenges and opportunities brought about by healthcare reform.

EBIA’s Health Care Reform for Employers and Advisors

EBIA’s Health Care Reform for Employers and Advisors is your essential partner for employer plan compliance, and provides up-to-date expert analysis of the key requirements that affect employers, advisors, and insurers. Written and edited by experienced employee benefits attorneys, it features in-depth coverage of legal requirements and information critical to effective decision-making – with examples, tables, implementation timelines, sample documents, and practical tips that will help you comply with the myriad of complex rules.

Learn More