Put numbers on both outcomes.
We run the ACA headcount and the cost of coverage under each scenario.
Send Us Your Renewal ← Back to 1099 Caregivers And Classification
Numbers for counsel.
What Happens In This Step
We model headcount, full-time measurement and the cost of offering coverage under the current classification and under reclassification.
We show the effect on the threshold and on the budget.
What You Get From It
A side-by-side of both outcomes.
Your attorney can see the ACA consequences of each legal conclusion.
What this step needs and produces.
What We Need
The fact summary and hours data.
What We Do
We model each scenario.
What You Get
A comparison table and notes.
Questions on this topic.
Short answers for agency owners.
How detailed is the model?
Detailed enough for a legal discussion, not an audit.
Can we model partial reclassification?
Yes, any combination.
Is this confidential?
We treat it as your confidential business information.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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