Lock it for the plan year and re-test when things change.
We lock the contribution for the plan year and re-test when the percentage or your wages change.
Send Us Your Renewal ← Back to ACA Affordability And Offer Strategy
Affordability is a recurring check, not a one-time test.
What Happens In This Step
We set the employee contribution at or below the passing limit and record the calculation.
We schedule a re-test when the affordability percentage changes or when wage rates move.
What You Get From It
A contribution that passes today and a trigger for when to check again.
You also get a record of the test for each plan year.
What this step needs and produces.
What We Need
The final wage tiers and the plan rates for the year.
What We Do
We finalize the contribution and set re-test triggers.
What You Get
A signed-off contribution and a re-test calendar.
Questions on this topic.
Short answers for agency owners.
How often do we re-test?
At least each plan year and whenever wages or plan rates change.
Who owns the re-test?
We recommend naming one person in your office, and we can do it with you.
What if the test fails mid-year?
We look at what can be changed and when, since mid-year changes are limited.
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.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →
Cookies on This Site
We use cookies to keep the site working properly and to understand how it is used. You can decline anything that is not essential. See our Privacy Policy for the detail.
- Essential — needed for the site to load and for you to move around it. These cannot be switched off.
- Analytics — tell us which pages get read, so we know what is worth writing more of.
- Advertising — set by third parties such as ad and social platforms to measure and target campaigns.