{"id":8511,"date":"2025-04-30T16:10:08","date_gmt":"2025-04-30T16:10:08","guid":{"rendered":"https:\/\/www.brightmine.com\/us\/?post_type=resources&#038;p=8511"},"modified":"2026-01-23T12:06:57","modified_gmt":"2026-01-23T17:06:57","slug":"applicable-large-employer-under-aca","status":"publish","type":"resources","link":"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/applicable-large-employer-under-aca\/","title":{"rendered":"Applicable large employer (ALE) under the ACA | HR Guide"},"content":{"rendered":"\n<div class=\"wp-block-group alignwide has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-b5fc8583 wp-block-group-is-layout-constrained\" style=\"border-radius:25px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7fc3d43a wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-8e1436f2 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<p class=\"\">by <strong>Brightmine<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"\">Often referred to as \u201cObama Care,\u201d the ACA has proven beneficial for many employees and their families.<\/p>\n\n\n\n<p class=\"\">One of the important terms that this Act introduced is the \u201capplicable large employer\u201d or ALE. Here we look at:<\/p>\n\n\n\n<ul style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\" class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.548), 18px);\" class=\"\"><a href=\"#what-is-an-applicable-large-employer\">What an ALE and how to determine status<\/a><\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.548), 18px);\" class=\"\"><a href=\"#responsibilities-of-ales\">The responsibilities of ALEs<\/a><\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.548), 18px);\" class=\"\"><a href=\"#determine-ale-status\">How to determine ALE status<\/a><\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.548), 18px);\" class=\"\"><a href=\"#penalties-for-non-compliance\">Penalties employers face for non-compliance<\/a><\/li>\n\n\n\n<li style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.548), 18px);\" class=\"\"><a href=\"#take-the-next-step\">How to get guidance and support to ensure compliance.<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-an-applicable-large-employer\">What is an Applicable Large Employer (ALE)?<\/h2>\n\n\n\n<p class=\"\">An ALE refers to those employers that are responsible for following the provisions of the ACA. Specifically, <a href=\"https:\/\/www.opm.gov\/frequently-asked-questions\/insure-faq\/health\/what-is-an-applicable-large-employer-ale-and-ale-member\/#:~:text=An%20applicable%20large%20employer%20(ALE)%20is%20an%20employer%20with%20an,referred%20to%20as%20ALE%20members.\" target=\"_blank\" rel=\"noreferrer noopener\">ALEs are employers<\/a> that have an average of at least 50 full-time employees. This includes full-time equivalent employees during the previous calendar year.<\/p>\n\n\n\n<p class=\"\">While that may seem like a straightforward determination, in practice it has proven to be anything but. Some tasks that may seem simple and straightforward, like calculating the number of employees or full-time equivalents (FTEs), can be more complex than they seem. It\u2019s critical for employers to get this calculation right because ALEs are required to be compliant with the ACA\u2019s employer shared responsibility provisions, or \u201cHR mandate\u201d.<\/p>\n\n\n\n<p class=\"\">The employer mandate requires ALEs to offer employees \u201cminimum essential coverage\u201d that is \u201caffordable\u201d and provides \u201cminimum value\u201d to full-time employees and their dependents.<\/p>\n\n\n\n<p class=\"\">ALEs that fail to comply with these mandates are subject to shared responsibility payments to the IRS.<\/p>\n\n\n\n<p class=\"\">Meeting the requirements of the employer mandate can be particularly onerous for large companies with multiple locations and complex ownership structures. This is because ALE determination is based on a \u201ccontrolled group basis,\u201d combining all related entities. However, even small employers may struggle with the complexities and ongoing changes and challenges of meeting their responsibilities as ALEs.<\/p>\n\n\n\n<p class=\"\">In addition to providing minimum, essential and affordable coverage that provides value to employees, ALEs face reporting requirements including filing Forms 1094-C and 1095-C with the IRS. They also need to provide full-time employees with statements about the health coverage they have access to.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"responsibilities-of-ales\">What responsibilities do ALEs have under the ACA?<\/h2>\n\n\n\n<p class=\"\">If your organization qualifies as an ALE you have some specific responsibilities and compliance obligations. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">Offering minimum essential coverage. You should offer coverage to at least 95% of your full-time employees and their dependents. This coverage must:<\/li>\n\n\n\n<li class=\"\">Be affordable\u2014employee contributions for individual coverage cannot exceed a specific percentage of their household income\u20149.02% for plan years beginning in 2025.<\/li>\n\n\n\n<li class=\"\">Offer employees minimum value in their coverage &#8211; the plan must pay at least 50% of their total cost of medical services and must include substantial coverage of physician and inpatient hospital services.<\/li>\n\n\n\n<li class=\"\">Complying with reporting requirements. Employers must report the coverage they provide to full-time employees through Forms 1094-C and 1095-C, meeting specific filing deadlines as required by the IRS.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Employers face potential shared responsibility payments if they do not comply with the employer mandate which include:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">\u201cA\u201d Penalty\u2014triggered when ALEs do not offer essential coverage to at least 95% of full-time employees and their dependents and when at least one full-time employee receives a premium tax credit.<\/li>\n\n\n\n<li class=\"\">\u201cB\u201d Penalty\u2014applied when an ALE offers minimum essential coverage to at least 95% of full-time employees, but coverage is either not affordable or doesn\u2019t offer minimum value, and one of more full-time employees receive a premium tax credit.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Penalties are adjusted annually for inflation. To avoid penalties and costs it\u2019s critical that ALEs are proactive in compliance management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"determine-ale-status\">How to calculate ALE status<\/h2>\n\n\n\n<p class=\"\">Calculating ALE status requires accurate recordkeeping and counting of employees which is where compliance can become, perhaps surprisingly, challenging. To calculate ALE status, organizations need to:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">Count full-time employees who worked at least 30 hours per week, or 130 hours per month during the previous calendar year<\/li>\n\n\n\n<li class=\"\">Calculate full-time equivalent (FTE) employees for each calendar month by counting total hours of service (for non-full-time employees up to 120 hours\/employee, and dividing the total by 120)<\/li>\n\n\n\n<li class=\"\">Add the number of full-time employees and FTEs for each month<\/li>\n\n\n\n<li class=\"\">Calculate the average across all 12 months of the previous year<\/li>\n\n\n\n<li class=\"\">Apply the threshold test\u2014if your result is 50 or more your organization will be considered an ALE for the current calendar year.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">This calculation must be done each calendar year based on data for the previous calendar year to determine ALE status. Note that your ALE status may change from year to year depending on the size of your workforce.<\/p>\n\n\n\n<div class=\"wp-block-group has-bleach-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:25px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading\">Calculating full time equivalent (FTE) employees<\/h3>\n\n\n\n<p class=\"\">Calculating ALE status requires calculating the number of FTEs and full-time employees on a month by month basis for the previous year. Your FTEs will equal the number of full-time employees (those working at least 30 hours a week) in addition to the number of hours worked by employees who are not full-time, divided by 120.<\/p>\n\n\n\n<p class=\"\"><a href=\"https:\/\/hrcenter.us.brightmine.com\/freetrial-login\/?loggedInUrl=%2Ffreetrial%2Fnew-user%2F&amp;registrationUrl=%2Ffreetrial%2Fnew-user%2F\" target=\"_blank\" rel=\"noreferrer noopener\">Sign up for a 7-day free trial to read more.<\/a><\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"penalties-for-non-compliance\">Consequences for not complying with ACA requirements for ALEs<\/h2>\n\n\n\n<p class=\"\">Employers must take care to ensure that they understand and are meeting the requirements to avoid costly penalties\u2014as well as reputational impacts.<\/p>\n\n\n\n<p class=\"\">There are two types of financial penalties that the IRS can apply:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\"><strong>Section 4980H(a) Penalty. <\/strong>This is applied if ALEs do not offer minimum essential coverage to at least 95% of their full-time employees. Failure to do so can result in thousands of dollars multiplied ty the total number of full-time employees (minus the first 30). Clearly this can quickly amount to a significant penalty, especially for large employers.<\/li>\n\n\n\n<li class=\"\"><strong>Section 4980H(b) Penalty.<\/strong> Even when ALEs meet the requirement for offering minimum essential coverage to at least 95% of their full-time employees they may still face penalties if they fail to offer affordable coverage, or the coverage doesn\u2019t provide minimum value for employees. This penalty also applies on a per-employee basis for every full-time employee that receives a premium tax credit.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">ALEs that do not comply with requirements for filing information returns (Forms 1094-C and 1095-C), or that provide incorrect information, are subject to penalties under Sections 6722\/6722 of the Internal Revenue Code. Note that penalties apply per return so penalties applied can ramp up quickly.<\/p>\n\n\n\n<p class=\"\">The IRS may also assess penalties for late filing, not providing required statements to employees, or filing incorrect information.<\/p>\n\n\n\n<p class=\"\">If the IRS determines that an organization has not complied with requirements, they will typically issue Letter 226-J proposing an ESRP assessment. ALEs may then:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-brightmine-list-item-spacing-small\">\n<li class=\"\">agree with the assessment<\/li>\n\n\n\n<li class=\"\">provide evidence to dispute the assessment<\/li>\n\n\n\n<li class=\"\">request a meeting with the IRS<\/li>\n<\/ul>\n\n\n\n<p class=\"\">In addition, failure to comply with the requirements of the ACA can also result in added IRS scrutiny. This may lead to additional tax issues and assessments.<\/p>\n\n\n\n<p class=\"\">Non-compliance doesn\u2019t just carry the risk of financial penalties. Organizations may also suffer reputational or brand damage and erode employee trust and satisfaction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"take-the-next-step\">Access in-depth ACA compliance guidance vetted by HR experts<\/h2>\n\n\n\n<p class=\"\">Complying with ACA requirements as an ALE can be complex. Brightmine can help. The Brightmine HR &amp; Compliance Center offers access to a wide range of resources and insights to help ALEs address ACA compliance challenges.<\/p>\n\n\n\n<p class=\"\">Brightmine content is reviewed and vetted by experienced HR professionals and legal experts specializing in ACA compliance. You can be confident that the information you receive is accurate and current, practical and focused on implementation, risk- and compliance-oriented.<\/p>\n\n\n\n<p class=\"\">Brightmine will keep you informed of annual adjustments to affordability thresholds, changes to reporting requirements, new IRS guidance and enforcement priorities, and court decisions that impact ACA implementation.<\/p>\n\n\n\n<p class=\"\">Don\u2019t leave compliance to chance. Avoid costly penalties and reputational damage by turning to Brightmine HR Compliance Center for expert-vetted resources to help you navigate ACA requirements with confidence. We\u2019ll keep you up-to-date and compliant so you can focus your efforts on providing the best benefit experience for your workforce.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column lnrs-hide-block-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"border-left-color:var(--wp--preset--color--secondary-gray);border-left-width:2px;padding-left:10px;flex-basis:30%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-container-2 is-position-sticky\">\n<div class=\"wp-block-group has-secondary-gray-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-db4c44a6 wp-block-group-is-layout-constrained\" style=\"border-radius:14px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4b827052 wp-block-group-is-layout-flex\">\n<p style=\"margin-bottom:5px;font-style:normal;font-weight:400\" class=\"\">In this resource:<\/p>\n\n\n\n<p style=\"margin-top:5px;margin-bottom:5px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.274), 16px);line-height:1.3\" class=\"\"><a href=\"#what-is-an-applicable-large-employer\">What an ALE and how to determine status<\/a><\/p>\n\n\n\n<p style=\"margin-top:5px;margin-bottom:5px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.274), 16px);line-height:1.3\" class=\"\"><a href=\"#responsibilities-of-ales\">The responsibilities of ALEs<\/a><\/p>\n\n\n\n<p style=\"margin-top:5px;margin-bottom:5px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.274), 16px);line-height:1.3\" class=\"\"><a href=\"#determine-ale-status\">How to determine ALE status<\/a><\/p>\n\n\n\n<p style=\"margin-top:5px;margin-bottom:5px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.274), 16px);line-height:1.3\" class=\"\"><a href=\"#penalties-for-non-compliance\">Penalties employers face for non-compliance<\/a><\/p>\n\n\n\n<p style=\"margin-top:5px;margin-bottom:5px;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.274), 16px);line-height:1.3\" class=\"\"><a href=\"#take-the-next-step\">How to get guidance and support to ensure compliance.<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-bleach-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-a36fa716 wp-block-group-is-layout-constrained\" style=\"border-radius:14px;padding-top:10px;padding-right:15px;padding-bottom:15px;padding-left:15px\">\n<h3 class=\"wp-block-heading\">Navigate HR complexity with confidence<\/h3>\n\n\n\n<p class=\"\">With Brightmine, you can build powerful people strategies, implement best practices and set your organization up for a brighter future.<\/p>\n\n\n\n<p class=\"\">Learn how our tools, resources and automation can empower you and your team.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/us\/solutions\/?intcmp=cta|blog|solutions|learn-more\" style=\"border-radius:25px\">Learn more<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--40);margin-bottom:var(--wp--preset--spacing--40)\">\n<p class=\"\"><a href=\"#top\">Go back to the top<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-efae2095 wp-block-group-is-layout-constrained\" style=\"border-radius:25px;margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<h2 class=\"wp-block-heading\">You may also be interested in&#8230;<\/h2>\n\n\n<section id=\"resources-search-filter\" class=\"wp-elements-f0242bd032c748b08175d8fe1eac97ea wp-block-brightmine-resources-filter has-text-color has-primary-black-color has-background has-primary-white-background-color\">\n\n\n<div class=\"ajax-filter\">\n<div class=\"lnrs-resources-search-filter  editor-posts-filtered-topics \">\n\t\t<div class=\"search_terms_bottom\">\n\t\t\t<div class=\"bottom_left\">\n\t\t\t<div class=\"search_terms_result_count\">\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"bottom_right\">\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n<\/div>\n\n\t<div class=\"loader-container\">\n\t\t<span class=\"loader\" style=\"display: none;\"><\/span>\n\t<\/div>\n\n\n\t<div class=\"lnrs-resource-filter-widget__container\">\n\n\t\t\n\t\t\t\t<div class=\"lnrs-resource-hub-widget__resource\" style=\"background-color: #E9E7E4\">\n\t\t\t\t\t<a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/temporary-disability-insurance-requirements-by-state\/\"><div class=\"lnrs-resource-hub-widget__resource_image\" style=\"background-image: url(https:\/\/cdn.brightmine.com\/wp-content\/uploads\/sites\/3\/2026\/01\/22224920\/Financial-professional-reviewing-finances-1200x627-1.webp);\"><\/div><\/a>\n\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__inner_content\">\n\t\t\t\t\t\t<div class=\"content-top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__categories\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"lnrs-resource-hub-widget__category\">Charts<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title\" style=\"color: #00728B\"><a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/temporary-disability-insurance-requirements-by-state\/\">Temporary disability insurance requirements by state<\/a><\/h3>\n\t\t\t\t\t\t<p style=\"color: #000000\">Explore temporary disability insurance (TDI) requirements by state and understand employer and employee contribution rules, benefits, and waiting &#8230;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t<div class=\"lnrs-resource-hub-widget__resource\" style=\"background-color: #E9E7E4\">\n\t\t\t\t\t<a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/healthcare-benefits\/tips-for-harmonizing-federal-and-multistate-family-and-medical-leave-compliance\/\"><div class=\"lnrs-resource-hub-widget__resource_image\" style=\"background-image: url(https:\/\/cdn.brightmine.com\/wp-content\/uploads\/sites\/3\/2025\/11\/26054249\/doctor-operation.webp);\"><\/div><\/a>\n\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__inner_content\">\n\t\t\t\t\t\t<div class=\"content-top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__categories\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"lnrs-resource-hub-widget__category\">Commentary and Insights<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title\" style=\"color: #00728B\"><a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/healthcare-benefits\/tips-for-harmonizing-federal-and-multistate-family-and-medical-leave-compliance\/\">Tips for Harmonizing Federal and Multistate Family and Medical Leave Compliance<\/a><\/h3>\n\t\t\t\t\t\t<p style=\"color: #000000\">While the federal Family and Medical Leave Act (FMLA) sets a baseline, state-specific family and medical leave laws &#8230;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t<div class=\"lnrs-resource-hub-widget__resource\" style=\"background-color: #E9E7E4\">\n\t\t\t\t\t<a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/navigating-rising-benefits-costs-a-guide-for-hr-leaders\/\"><div class=\"lnrs-resource-hub-widget__resource_image\" style=\"background-image: url(https:\/\/cdn.brightmine.com\/wp-content\/uploads\/sites\/3\/2025\/10\/14145553\/employee-benefits-c-and-i-feature.webp);\"><\/div><\/a>\n\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__inner_content\">\n\t\t\t\t\t\t<div class=\"content-top\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lnrs-resource-hub-widget__categories\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"lnrs-resource-hub-widget__category\">Commentary and Insights<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title\" style=\"color: #00728B\"><a href=\"https:\/\/www.brightmine.com\/us\/resources\/total-rewards\/employee-benefits\/navigating-rising-benefits-costs-a-guide-for-hr-leaders\/\">Navigating rising benefits costs: A guide for HR leaders<\/a><\/h3>\n\t\t\t\t\t\t<p style=\"color: #000000\">Employee benefits costs continue to rise, making it more challenging to maintain competitive benefits. Here are three focus &#8230;<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<\/section><\/div>\n\n\n\n<div class=\"wp-block-group has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-fcdab8bb wp-block-group-is-layout-constrained\" style=\"border-radius:25px;margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-large-font-size\">About the author<\/h3>\n\n\n\n<div class=\"wp-block-columns has-primary-gray-color has-text-color has-link-color wp-elements-b942f8f6b41a26944c386d39f1d67776 is-layout-flex wp-container-core-columns-is-layout-7fc3d43a wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:10px;padding-left:10px;flex-basis:100px\">\n<figure class=\"wp-block-image size-full is-resized has-custom-border is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/cdn.brightmine.com\/wp-content\/uploads\/sites\/3\/2024\/03\/12085517\/Brightmine_Favicon_128px.png\" alt=\"\" class=\"wp-image-681\" style=\"border-radius:25px;object-fit:cover;width:100px;height:100px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:10px;padding-left:10px\">\n<p class=\"\"><strong>Brightmine<\/strong><\/p>\n\n\n\n<p class=\"\">With more than 10,000 customers, Brightmine is a leading global provider of people data, analytics and insight \u2013 empowering HR leaders to deliver brighter business outcomes.<\/p>\n\n\n\n<p class=\"\">For more than two decades, Brightmine, formerly XpertHR, has continued to help HR leaders confidently navigate the evolving world of work through our unique combination of critical workforce data, AI-enabled technology, and trusted HR expertise.<\/p>\n\n\n\n<p class=\"\">Brightmine is a division of LexisNexis Data Services within RELX\u00ae, a global provider of information-based analytics and decision tools. RELX serves customers in 180+ countries with 35,000+ employees. Ticker: London: REL; Amsterdam: REN; New York: RELX.<\/p>\n\n\n\n<p class=\"\">Follow Brightmine on <a href=\"https:\/\/www.linkedin.com\/company\/brightmine\/\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-primary-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-bbb7e64f wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--30)\">\n<h2 class=\"wp-block-heading has-text-align-center has-large-font-size\">See our extensive HR resources and expertise<\/h2>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\">In an ever-changing regulatory environment, we have everything you need to stay in control and compliant.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-primary-white-color has-secondary-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/hrcenter.us.brightmine.com\/freetrial-login\/?loggedInUrl=%2Ffreetrial%2Fnew-user%2F&amp;registrationUrl=%2Ffreetrial%2Fnew-user%2F&amp;intcmp=bottom|cta-single|light|banner|hrcentreuk-freetrial|start-your-free-trial\" style=\"border-radius:100px\" target=\"_blank\" rel=\"noreferrer noopener\">Start your free trial<\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Affordable Care Act (ACA), introduced on March 23, 2010, has greatly affected how employers provide healthcare coverage. Learn how new terminology impacts how organizations operate and the responsibility they have for benefit administration.<\/p>\n","protected":false},"author":11,"featured_media":8512,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-new-resources","categories":[13],"tags":[],"topic":[65,25],"class_list":["post-8511","resources","type-resources","status-publish","has-post-thumbnail","hentry","category-guides-how-to","topic-employee-benefits","topic-hr-compliance"],"_lnrs_read_more":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Applicable large employer (ALE) under the ACA | HR Guide | Brightmine<\/title>\n<meta name=\"description\" content=\"The Affordable Care Act has greatly affected how employers provide healthcare coverage. 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