FormHarbor autonomously tracks employee eligibility, generates 1095-C filings, and defends against IRS penalties. No spreadsheets. No missed deadlines. No human bottleneck.
The 2026 IRS penalty for failing to offer affordable coverage. For a 200-person company, that's $892,000 at risk.
HR teams spend weeks manually classifying employees, coding forms, and correcting IRS rejections. Every year.
California, New Jersey, DC, Rhode Island, and Massachusetts each require separate filings with different rules.
IRS penalty assessment letters arrive months after filing. Most employers don't know how to respond. The window to dispute is 30 days.
Import employee hours and benefits data. FormHarbor applies measurement and stability period logic to classify every worker correctly, including variable-hour employees.
AI generates accurate 1094-C and 1095-C forms with correct line codes. E-files directly to the IRS AIR system and handles state mandate submissions.
Monitors for 226-J penalty letters and drafts response documentation. Flags compliance gaps before they become audit triggers. Runs 24/7, 365 days a year.
FormHarbor is building the future where ACA compliance is fully autonomous. One AI analyst that replaces the spreadsheets, the consultants, and the sleepless filing nights.