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The ACA Compliance Survival Guide

A 19-page guide for the people who run payroll, HR, and benefits. It explains which ACA rules apply to your organization, who should own each task, and where the evidence should live.

Written for the 2026 reporting year, with notes for 2027 planning. It is general education for U.S. employers, not legal or tax advice.

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Inside the guide

19 pages, in the order you need them

  • Workforce countingWhether you are an applicable large employer, and how to count full-time and full-time equivalent employees.
  • Offers and affordabilityWhat an offer of coverage has to include, and how to price coverage before renewal.
  • Forms and filing seasonWhat Forms 1094-C and 1095-C report, and a filing calendar you can put on paper.
  • Penalties and IRS lettersWhere the financial exposure comes from, and what to do when Letter 226-J arrives.
  • Readiness checkA one-page checklist that shows the gaps in your current process.
  • 30-day planA week-by-week plan to turn a general concern into assigned work.