Send us your contribution split and we will test it.
We test your contribution by tier against the 10.22% line and show how a different employer share would change what employees pay.
It is part of the same second opinion we give on a renewal. Send us your renewal and we will give you a second opinion in writing.
What we look at.
Your tiers
Employee-only, employee plus spouse, employee plus child or children, and family, with what you pay and what employees pay in each.
The safe harbor
Which affordability test you can document, and how much room each gives you at the new percentage.
Take-up
Your waiver rate by tier, and what a different employer share could do to it.
Keep reading.
The 2027 ACA Affordability Percentage: Employer Guide
What the IRS changed for 2027 and what to check before open enrollment. Back to the guide.
Where these figures and rules come from.
Figures and rules
The review is a no-cost second opinion with findings in writing and no obligation to switch brokers. 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.
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.
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.