Confirm last year’s filings were accepted, then plan this year’s.

The IRS is sending notices to employers whose Forms 1094-C and 1095-C it has not received, and it is enforcing payments for earlier years.

A quick check now avoids a notice later. Send us your renewal and we will give you a second opinion in writing.

What to know

Three things to do.

Check acceptance

If you filed electronically, confirm acceptance with the IRS receipt ID for last year’s returns.

Plan for e-filing

Prepare to file electronically in 2027. Check the current IRS e-filing threshold for your return count.

Review your codes

Make sure the affordability code you plan to report matches the test you ran. See what Form 1095-C reports.

Keep reading.

The guide

The 2027 ACA Affordability Percentage: Employer Guide

What the IRS changed for 2027 and what to check before open enrollment. Back to the guide.

Next step

Read about Letters 226J and 5699.

Sources

Where these figures and rules come from.

Sources

Figures and rules

IRS Instructions for Forms 1094-C and 1095-C; IRS Letter 5699. IRS Rev. Proc. 2026-26 (2027 affordability percentage of 10.22%, up from 9.96% for 2026) and Rev. Proc. 2026-22 (2027 employer shared responsibility payment amounts). This page is general information, not legal or tax advice.

Let’s Get to Work

Send us your renewal.

Four documents — the renewal letter, the plan summary, the contribution split by tier and enrolled counts by tier. We’ll come back with a competitive read, where we see opportunity, and the five questions we’d put to your carrier.

Start the Review 248.370.8853

Where does your group fall?

2 to 50 employees

250 to 999 employees

Above 50 employees