Question one · FTE preparation

Do you know your full-time-equivalent figure?

Enter the figure you already use, or estimate it from a recent payroll total-hours report before confirming your workforce range.

Enter the figure from your payroll, benefits, accounting, or compliance records.

Calculation: total hours ÷ the proportional share of 2,080 annual hours. This is a general planning estimate. ACA large-employer status uses a separate month-by-month method, and the small-business health-care tax credit applies additional employee-level rules.

Question two · confirm employer scale

How large is the workforce?

We have preselected a range from the FTE figure. Confirm or change it. This range guides the diagnostic but does not by itself establish ACA Applicable Large Employer status.

Question three · starting point

What do employees have now?

A QSEHRA cannot coexist with an employer group health plan. The current arrangement changes the available paths.

Question four · desired outcome

What must the benefit accomplish?

Choose the employer’s first priority. A second path will be surfaced when the facts warrant comparison.

Question five · workforce design

How differently do employees need to be treated?

Different locations, salaried and hourly groups, or full-time and part-time populations can favor a more flexible structure.

Question six · likely take-up

How many employees are realistically likely to participate?

Use likely enrollees—not total employees. Group arrangements may carry participation or monthly minimums.

Strongest starting direction

Penalty A
Penalty B

Why this direction

    What must be verified

      Would you like to explore another retention track?
      Your health result will remain available while you continue.

      Educational planning tool only—not legal, tax, insurance, or employee-benefits advice. Eligibility and penalty protection depend on current rules, correct workforce measurement, affordability, minimum value, plan documents, employee offers, and required reporting.