# ACA HQ Reviews
**Vendor:** Equifax Inc.  
**Category:** [Software de Conformidade ACA](https://www.g2.com/pt/categories/aca-compliance)
## About ACA HQ
ACA HQ™ is an enterprise-level compliance engine designed to navigate the high-stakes complexities of the Employer Shared Responsibility Provisions (ESRP). In an era of escalating IRS scrutiny and a 15.2% increase in 2026 penalty amounts, ACA HQ provides the Year-Round Intelligence needed to move beyond reactive reporting to proactive risk management. Our platform continuously monitors your workforce data, identifying eligibility shifts and affordability gaps in real-time. ACA HQ doesn't just generate forms; it provides a comprehensive Audit-Defense Ecosystem that manages state-specific mandates, automates IRS submissions, and provides sophisticated Subsidy & Fine Management to help mitigate the financial impact of 226-J letters and other IRS notices. Core Features - Continuous Tracking: Real-time monitoring of measurement periods to eliminate coverage gaps. - Smart Affordability Modeling: Automated safe-harbor applications using the 2026 9.96% threshold. - State Mandate Engine: Seamless filing for the expanding list of states with independent individual mandates. - Audit Defense Workflow: Dedicated tools for managing marketplace appeals and mitigating IRS 226-J letters. - Penalty Forecasting: Predictive analytics that quantify financial exposure based on workforce shifts. - Audit-Ready Reporting: Actionable dashboards and detailed trails designed for ICE inspection readiness. Plan Highlights - Business Starter: Best for ALEs (50+ EEs) needing automated 1094/1095 filing & federal compliance. - Business Standard: Adds State Individual Mandate reporting & tracking—ideal for Multi-State Employers. - Enterprise: Full Penalty Defense suite & HRIS/Payroll API sync for complex workforces.






- [View ACA HQ pricing details and edition comparison](https://www.g2.com/pt/products/aca-hq/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-21+12%3A54%3A18+-0500&secure%5Bsession_id%5D=cdeabdfc-dcf1-44e2-880b-299522589de6&secure%5Btoken%5D=d7153698103a8d32cf55f7a59896eb40005c6cd98e2ed9f25764ef2a7e0767b9&format=llm_user)


## Top ACA HQ Alternatives
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