Download our free ACA Affordability Safe Harbor Grids
Download the HUB 2026 Affordability Safe Harbor Grids for detailed breakdowns by FPL, W-2, rate of pay, and payroll frequency.
ACA Affordability Safe Harbor Grids
While not yet released for 2026, annual updates to the federal poverty levels (FPLs) should be top of mind for HR and benefits professionals as they prepare for 2026. Why? Because ACA rules tie affordability of employer-sponsored group health plans directly to these benchmarks. If your plan fails the affordability test, you risk penalties under the Employer Shared Responsibility Provision (ESRP) — a cost far greater than investing time now to ensure compliance.
Download these handy safe harbor grids to ensure you remain in compliance with ACA affordability levels.
HUB Southwest Advisors is your home in the Southwest for Business & Personal Insurance, Employee Benefits, Retirement Services, and More.
HUB International is headquartered in Chicago, and is the 6th largest global insurance broker with over 20,000+ employees across 670+ offices in North America. HUB International is the largest privately held, locally-led insurance broker in the country.
HUB Southwest primarily serves individuals and local businesses across Arizona and New Mexico. HUB Southwest has a 30+ year history in the region serving more than 20,000 clients.
