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ACA Penalty Calculator
Could an ACA penalty be heading your way?
Estimate your exposure in 2 minutes.
Enter your headcount and what employees pay for coverage. We’ll check whether the employer mandate applies, test affordability and estimate any penalty for 2026.
What you'll get
- Your Applicable Large Employer status
- An affordability check at the 2026 threshold
- An estimated annual penalty, if any
Your workforce
Tell us about your employees
Estimated annual exposure
$0Estimate only, based on 2026 IRS amounts and the rate-of-pay safe harbor. It assumes at least one full-time employee receives a premium tax credit. Not legal or tax advice.
Keep Your Results
Want a copy
of your estimate?
We’ll email your results so you can share them with your finance or HR team, and flag anything worth a closer look.
How the Penalties Work
Two penalties,
one set of rules.
Who it applies to
Applicable Large Employers: generally 50 or more full-time and full-time equivalent employees, averaged over the prior year.
The “A” penalty
If coverage isn’t offered to at least 95% of full-time employees and one gets a Marketplace subsidy: $3,340 per full-time employee in 2026, minus the first 30.
The “B” penalty
If coverage isn’t affordable or lacks minimum value: $5,010 in 2026 for each full-time employee who gets a Marketplace subsidy.
Affordability in 2026
Employee cost for the lowest self-only plan can’t exceed 9.96% of income, measured using an IRS safe harbor.
More Free Tools
Keep checking
where you stand.
Assessment
Score your plan on cost, competitiveness, compliance and support in about 3 minutes.
Calendar
Federal benefits deadlines month by month, from ACA reporting to Medicare notices.
Checklist
An interactive checklist from 120 days out to after enrollment closes.
Get It Right the First Time
Close the gaps
before the IRS finds them.
We’ll review your eligibility tracking, contributions and reporting for free, and show you exactly what to fix.
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