Safe Harbors Under the Affordable Care Act

In order to determine whether affordable coverage is offered to employees, the IRS provides three “safe harbor” methods that can be used to estimate an employee's income using information that employers have. If an employer can satisfy the affordability test using any of these three safe harbor methods, the offer of coverage will be considered affordable under the employer mandate.


W2 Wages Safe Harbor

If an employer satisfies the requirements for this Safe Harbor, their insurance coverage offering will be considered affordable under the employer mandate. Who should use the W... Learn more

Rate of Pay Safe Harbor

If an employer satisfies the requirements for this Safe Harbor, their insurance coverage offering will be considered affordable under the employer mandate. Who should use t... Learn more

Federal Poverty Line Safe Harbor

If an employer satisfies the requirements for this Safe Harbor, their insurance coverage offering will be considered affordable under the employer mandate. Who should use t... Learn more

How do I change my Safe Harbor Method in Zenefits?

If this is the first year you are using Zenefits for the ACA filing, please reach out to our Support team. We are able to update your Safe Harbor on our side.If you have used th... Learn more

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