Introducing ACA Autopilot: Managed ACA Compliance | Vitable Health

ACA Compliance

Table of Contents

Why ACA Compliance Is Harder Than It Looks for Hourly Employers What ACA Autopilot Does How It's Different from Standard Compliance Tools Who ACA Autopilot Is For Frequently Asked Questions What is ACA Autopilot? Which employers are required to comply with the ACA Employer Mandate? What are the ACA penalties for non-compliant employers? Does ACA Autopilot handle IRS filing? How is ACA Autopilot different from other ACA compliance software?

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Vitable Health has launched ACA Autopilot, a fully managed Affordable Care Act (ACA) compliance service built for employers with hourly and variable-hour workforces. ACA Autopilot handles year-round eligibility monitoring, automated coverage offers, IRS form filing, and—for employers who need it—full audit defense from a dedicated legal team.

For the millions of employers that rely on hourly workers, staying compliant with the ACA's Employer Mandate is a year-round obligation that's easy to underestimate and expensive to get wrong. ACA Autopilot was built to take that work completely off their plates.

Why ACA Compliance Is Harder Than It Looks for Hourly Employers

Under the ACA's Employer Mandate, companies with 50 or more full-time equivalent (FTE) employees must offer qualifying health coverage to their workforce or face IRS penalties starting at thousands of dollars per full-time employee per year. That obligation sounds straightforward. For employers with hourly workers, it isn't.

Businesses in home care, food service, retail, and construction face a more complex version of the problem. Their workforces fluctuate week to week. Employees cross in and out of full-time status based on hours worked. Employers must continuously track hours across their entire workforce, apply IRS measurement and stability period calculations to determine which employees qualify as full-time, send timely offers of coverage when eligibility is triggered, file accurate 1094 and 1095 forms annually, and maintain defensible documentation in the event of an audit.

Manual tracking in spreadsheets breaks down at scale. Compliance software helps, but it still puts the burden of interpretation on the employer. And hiring a dedicated compliance team isn't realistic for a small or mid-size business running on thin margins.

What ACA Autopilot Does

ACA Autopilot is a fully managed service, not another piece of software the employer has to learn and run. Vitable Health handles the monitoring, the calculations, the filing, and where needed, the legal defense.

The service is offered in two tiers:

Vitable already handles IRS form preparation and 1094/1095 filing for every employer on its platform, a capability many benefits platforms don't offer. ACA Autopilot builds on that foundation by adding year-round monitoring and full audit coverage for employers who need end-to-end management.

"Eighty million Americans work hourly jobs, most of them for small employers who are one IRS audit letter away from a six-figure penalty they didn't see coming. Not because they did anything wrong, but because the system was never built to help them get it right. With ACA Autopilot, we're taking work that often requires an army of compliance experts completely off their plates, so they can focus on their people instead of paperwork."

— Joseph Kitonga, Founder and CEO, Vitable Health

How It's Different from Standard Compliance Tools

Most ACA compliance solutions identify which employees have crossed the eligibility threshold and stop there. The employer still has to act: generate and send the offer, track the response, and file the correct forms at year-end.

ACA Autopilot closes that gap. Because it runs inside the same platform employers and employees already use to manage their benefits, the offer of coverage goes out automatically when eligibility triggers. There's no separate system to log into, no manual step that falls through the cracks during a busy season.

Unlike other compliance products that identify eligible employees and leave the rest to you, ACA Autopilot automatically extends the offer of coverage through the same health benefits platform employers already use, making it the only solution that closes the loop from eligibility tracking to offer delivery in one place.

Who ACA Autopilot Is For

ACA Autopilot is designed for employers with 50 or more full-time equivalent employees, particularly in industries where schedules fluctuate and hourly workers make up the majority of the workforce:

Employers who already have some ACA compliance processes in place but want to reduce manual work or add audit protection are also a strong fit for the Defense tier. If you've received a penalty letter from the IRS or believe you may have exposure from prior filing years, ACA Autopilot + Defense includes the legal support to respond and resolve those issues.

Frequently Asked Questions

What is ACA Autopilot?

ACA Autopilot is Vitable Health's fully managed ACA compliance service for employers. It handles year-round employee eligibility monitoring, automated coverage offers, monthly compliance reporting, and IRS form filing. An upgraded tier adds IRS audit representation and penalty letter response through a dedicated legal team.

Which employers are required to comply with the ACA Employer Mandate?

Employers with 50 or more full-time equivalent employees are classified as Applicable Large Employers (ALEs) under the Affordable Care Act and must offer qualifying health coverage or face IRS penalties. An employer's full-time equivalent count includes both full-time workers and part-time workers, calculated by aggregating hours across the workforce.

What are the ACA penalties for non-compliant employers?

Non-compliant employers can face two types of penalties under IRS Section 4980H. The "A" penalty applies when an employer fails to offer coverage to at least 95% of full-time employees and their dependents. The "B" penalty applies when coverage offered doesn't meet affordability or minimum value standards. Penalties start at $3,340 per full-time employee annually for the "A" penalty and are adjusted each year by the IRS.

Does ACA Autopilot handle IRS filing?

Yes. Vitable Health already prepares and files 1094 and 1095 forms for employers on its platform. ACA Autopilot adds year-round monitoring and automated eligibility tracking on top of that. The Defense tier extends coverage to include IRS audit representation and direct handling of penalty correspondence.

How is ACA Autopilot different from other ACA compliance software?

Most compliance tools flag eligible employees and leave the rest to you. ACA Autopilot automatically extends the offer of coverage through the same platform employers already use to manage their benefits, so there's no manual follow-up and no separate system to manage. It's a fully managed service, not software you have to operate yourself.

If your workforce is mostly hourly and you're not certain your ACA compliance is airtight, it's worth fixing before an IRS letter shows up. Get started with Vitable and see how ACA Autopilot fits your team.

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