What ACA penalties can I avoid?

Section 4980H(a) penalties for not offering coverage and Section 4980H(b) penalties for offering unaffordable coverage. Both can be significant — we help identify and eliminate exposure.

How long does an ACA compliance review take?

Initial assessment typically takes 1-2 weeks. Remediation timelines vary based on complexity.

ACA Compliance Consulting · Minnesota

Stop Paying ACA Penalties.
Start Saving $40,000+ Per Year.

Minnesota employers with 50+ employees are leaving serious money on the table. Our compliance review finds IRS-legal savings structures — at zero cost to your business or your employees.

Get Your Free Savings Review

Zero cost to you

IRS-compliant structures

Results in 7 days

Client Savings Example

Minnesota Employer, 65 Employees

FICA exposure identified $72,800/yr

Annual savings found $40,000+

Employee benefits impact Improved

Cost to implement $0

See What You Could Save

What We Do

ACA compliance that pays for itself

Most Minnesota employers overpay on ACA compliance without knowing it. We find the legally compliant savings structures their benefits brokers missed.

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Free Benefits Savings Review

We audit your current employee health plan structure and identify where FICA exposure exists — at no charge, no commitment.

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FICA Reduction Strategies

IRS-compliant plan restructuring that reduces payroll tax exposure for both the employer and employee — without cutting benefits.

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Penalty Avoidance

ACA employer mandate penalties run $2,970–$4,460 per employee annually. We make sure you're never in the crosshairs.

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Reporting & Documentation

We handle the 1094-C and 1095-C filing review so your compliance documentation holds up under IRS scrutiny.

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Employee Benefits Improvement

In most cases, the restructured plan actually improves employee take-home pay — which makes retention easier to boot.

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Fast Turnaround

Initial savings analysis delivered within 7 business days. Implementation support included — we don't hand you a report and disappear.

ACA Penalty Exposure

The IRS penalties employers are ignoring

Non-compliant or sub-optimally structured health plans expose Minnesota employers to significant annual penalties. The savings we find almost always dwarf the cost of getting it right.

Employer Mandate Penalty A

$2,970/emp

Employer Mandate Penalty B

$4,460/emp

Typical FICA savings found

$500–$1,100/emp

Cost of free review

Common Questions

ACA compliance consulting FAQs

Who needs ACA compliance consulting? Is this only for large employers?

Any Minnesota employer with 50 or more full-time equivalent employees is subject to the ACA employer mandate — and is most likely leaving money on the table. We've found savings for employers with 50 employees and savings for employers with 500. If you have 50+ FTEs and a current health plan, a free review will tell you within days whether there's an opportunity.

What ACA penalties am I actually at risk for?

There are two main penalty types. Penalty A (the "no-coverage" penalty) hits if you fail to offer minimum essential coverage to 95%+ of full-time employees — currently $2,970 per full-time employee annually. Penalty B applies when coverage exists but is unaffordable or doesn't meet minimum value — $4,460 per affected employee. Beyond penalties, most plans are structured in ways that generate unnecessary FICA exposure — that's where we find the savings.

How long does the savings review take, and what happens after?

The free savings review takes 15 minutes of your time upfront. We return a written savings analysis within 7 business days showing exactly where your FICA exposure is and what a restructured plan would save annually. From there, implementation support is included — we guide you through the restructuring so the savings are real, not theoretical.

Stop Paying ACA Penalties.Start Saving $40,000+ Per Year.