ACA Made Simple. Brokers Made Stronger.
This portal is just the start of how Lumelight helps you protect clients, win business, and stand apart. Powered by Lumelight One—built by benefit attorneys, delivered with concierge service, and backed by a full-service compliance team—it’s the edge brokers and advisors count on, and the reason they choose Lumelight.
§4980H Requirements & Penalties: Employer Guide
Client, Sales & Marketing Support.
Enjoy our suite of resources designed to elevate client conversations and enhance your role as a trusted advisor. Simply download, add your logo or company information and start sharing!
Guides
Interns and short-term staff are easy for employers to overlook — but the ACA doesn’t. This guide makes it simple for you to show clients when coverage is required and how to avoid costly mistakes.
ACA penalties are steep — and many employers still misunderstand the coverage rules that trigger them. This guide gives your clients a clear, plain-language breakdown of what’s required and what’s at stake.
Emails
A collection of turn-key email templates to send to your clients & prospects focused on ACA compliance—covering enforcement updates, complex reporting, high-risk industries, and penalty prevention.
Social Media Posts
A collection of ready-to-use social media posts for brokers highlighting ACA compliance, risk prevention, and Lumelight partnership benefits.
Cheat Sheets
The ACA affordability percentage and penalty amounts are changing again in 2026 — and the stakes are higher than ever. This cheat sheet gives your clients the latest thresholds in a simple, employer-friendly format.
Reporting ICHRAs on Form 1095-C is full of codes and calculations that trip up employers. This cheat sheet makes it simple — from Line 15 affordability reporting to ZIP code rules.
When employees leave and return, the ACA has strict rules for whether they’re treated as new hires or continuing employees. Get it wrong, and employers risk coverage gaps and penalties. This cheat sheet makes the rules simple with clear examples.
With affordability set at 9.96% in 2026, employers need to know how safe harbors, opt-out credits, and other plan features impact compliance. This one-page cheat sheet breaks it down.
Federal filing doesn’t cover everything. Employers with staff in CA, MA, NJ, RI, or DC face separate state reporting requirements — and missing them can mean penalties. This cheat sheet makes it easy for you to flag risks and keep clients compliant.