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Strategy & Plan Design
Compliance & Governance
MVP
Usable now
Affordability Review File
Records residence, benchmark plan, allowance, safe harbor method, assumptions, result, reviewer, and date.
Calculator
Downloadable PDF
ALE / affordability / FTE
Purpose
Record affordability assumptions and results.
Intended user
ESP broker, CV, finance, legal
When to use it
ALE design, annual affordability test, renewal
Inputs needed
- Lowest-cost silver plan, employee residence, contribution amount, safe harbor, plan year
Outputs
- Assumptions, reviewer/date, result, retained evidence
Evidence to retain
- Source or template version
- Assumptions and reviewer notes
- Completed external record or export
Related notices/sources
- ACA employer affordability sources
General educational disclaimer
© 2026 Helping Health, Inc. All rights reserved. HRB materials are provided for general educational and operating-model purposes only. They should not be construed as legal, tax, accounting, payroll, Medicare, carrier, fiduciary, or compliance advice. Employers, advisors, and other parties should consult qualified professionals regarding their specific facts and circumstances.