--- title: 2022 ACA Compliance Checklist description: Public sector organizations with group health plans should be aware of changes to Affordable Care Act requirements that take effect in 2022. image: https://blog.nisbenefits.com/hubfs/blog-headers/2022-aca-compliance-b.jpg --- ![2022 ACA Compliance Checklist](https://blog.nisbenefits.com/hubfs/blog-headers/2022-aca-compliance-b.jpg) # 2022 ACA Compliance Checklist - Home - [Employee Benefit News for School, City and County Employers](https://blog.nisbenefits.com) - 2022 ACA Compliance Checklist [ Steve Smith ](https://blog.nisbenefits.com/author/steve-smith) 11/02/2021 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [0 Comments ](https://blog.nisbenefits.com/2022-aca-compliance-checklist#postComment) 2 Minutes *3 minute read* Public sector organizations with group health plans should be aware of changes to Affordable Care Act (ACA) requirements that take effect in 2022. ## **Cost-Sharing Limits** Check your plan’s cost-sharing limits: - Review your plan’s out-of-pocket maximum to make sure it complies with the ACA’s limits for the 2022 plan year ($8,700 for self-only coverage and $17,400 for family coverage). - If you have an HSA-compatible high deductible health plan (HDHP), keep in mind that your plan’s out-of-pocket maximum must be lower than the ACA’s limit. For 2022, the out-of-pocket maximum limit for HDHPs is $7,050 for self-only coverage and $14,100 for family coverage. - If your plan uses multiple service providers to administer benefits, confirm that the plan will coordinate all claims for essential health benefits across the plan’s service providers, or will divide the out-of-pocket maximum across the categories of benefits, with a combined limit that does not exceed the maximum for 2022. - Confirm that the plan applies the self-only maximum to each individual in the plan, regardless of whether the individual is enrolled in self-only or family coverage.   ## **Affordability of Coverage** Under the ACA, an applicable large employer’s health coverage is considered affordable if the employee’s required contribution to the plan does not exceed 9.5% of the employee’s household income for the taxable year (as adjusted each year). The adjusted percentage is 9.61% for 2022.   ## **Penalties for ACA Reporting Violations** Employers that fail to comply with the Section 6055 or Section 6056 reporting requirements may be subject to reporting penalties for failure to file correct information returns and failure to furnish correct payee statements. The penalty amounts have not been released yet for 2022. Continue to use the 2021 penalties for now: ![2022-aca-compliance](https://blog.nisbenefits.com/hs-fs/hubfs/Blog%20-%20supporting%20documents/2022-aca-compliance.png?width=624&name=2022-aca-compliance.png)   ## **Health FSA Contributions** The annual pre-tax salary reduction contribution for a Health FSA for 2021 is $2,750. The 2022 limit has not yet been announced. Stayed tuned to our blog to learn when the new contribution limit is released. - Once the 2022 health FSA limit is announced, confirm that your health FSA will not allow employees to make pre-tax contributions in excess of the limit for the 2022 plan year. - If the 2022 limit is announced too late for your open enrollment, you can use the 2021 limit to ensure compliance. - Communicate the health FSA limit to employees as part of the open enrollment process. [Download our 2022 ACA Compliance Checklist](https://blog.nisbenefits.com/hubfs/Blog%20-%20supporting%20documents/bulletin-aca-2022-compliance-checklist.pdf) for detailed information. Employers should review these changes and make sure that they are still compliant. [![New Call-to-action](https://no-cache.hubspot.com/cta/default/3325505/7d4cc476-ff48-46c5-929f-09612179e77f.png)](https://cta-redirect.hubspot.com/cta/redirect/3325505/7d4cc476-ff48-46c5-929f-09612179e77f) *This blog is intended to be a compilation of information and resources pulled from federal, state, and local agencies. This is not intended to be legal advice. For up to the minute information and guidance on COVID-19, please follow the guidelines of the Centers for Disease Control and Prevention (CDC) and your local health organizations.* --- #### Tag: [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions) [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) #### Share: - [Follow us on Facebook ](http://www.facebook.com/share.php?u=https://blog.nisbenefits.com/2022-aca-compliance-checklist) - [Follow us on Twitter ](https://twitter.com/intent/tweet?url=https://blog.nisbenefits.com/2022-aca-compliance-checklist&text=2022%20ACA%20Compliance%20Checklist) - [Follow us on Linkedin ](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.nisbenefits.com/2022-aca-compliance-checklist) - [Follow us on Pinterest ](http://pinterest.com/pin/create/button/?url=https://blog.nisbenefits.com/2022-aca-compliance-checklist&text=2022%20ACA%20Compliance%20Checklistdescription=3%20minute%20read%20Public%20sector%20organizations%20with%20group%20health%20plans%20should%20be%20aware%20of%20changes%20to%20Affordable%20Care%20Act%20(ACA)%20requirements%20that%20take%20effect%20in%202022.&media=https://info.nisbenefits.com/hubfs/blog-headers/2022-aca-compliance-b.jpg) --- [ #### Several States Warned about Adopting a COVID-19 Health Care ETS ##### Previous Post ](https://blog.nisbenefits.com/several-states-warned-about-adopting-a-covid-19-health-care-ets) [#### Johnson & Johnson and Moderna Booster Shots Authorized by FDA ##### Next Post ](https://blog.nisbenefits.com/johnson-johnson-and-moderna-booster-shots-authorized-by-fda) ### Leave a Reply This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Legislative News (1149)](https://blog.nisbenefits.com/topic/aca-other-legislative-news) - [Health Insurance Solutions (504)](https://blog.nisbenefits.com/topic/health-insurance-solutions) - [COVID-19 (209)](https://blog.nisbenefits.com/topic/covid-19) - [Ancillary Benefits (175)](https://blog.nisbenefits.com/topic/ancillary-benefits) - [Mental Health (122)](https://blog.nisbenefits.com/topic/mental-health) ### Popular Posts [ Steve Smith ](https://blog.nisbenefits.com/author/steve-smith) 02/16/2024 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions) [ Understanding Embedded vs. Nonembedded Deductibles ](https://blog.nisbenefits.com/understanding-embedded-nonembedded-deductibles) [ Erin Woulfe ](https://blog.nisbenefits.com/author/erin-woulfe) 02/09/2026 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ IRS Releases 2027 Health Plan Cost-sharing Limits ](https://blog.nisbenefits.com/2027-health-plan-cost-sharing-limits) [ Valerie Ortiz ](https://blog.nisbenefits.com/author/valerie-ortiz) 02/17/2026 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner) [ 4 Employee Wellness Trends You Can’t Ignore in 2026 ](https://blog.nisbenefits.com/2026-employee-wellness-trends) [ Dina Lubben ](https://blog.nisbenefits.com/author/dina-lubben) 11/14/2025 [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ Trump Administration Unveils Plan to Make GLP-1 Drugs Affordable ](https://blog.nisbenefits.com/trump-administration-plan-glp1-drugs-affordable) --- ## Related Posts [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner) [ Valerie Ortiz ](https://blog.nisbenefits.com/author/valerie-ortiz) 07 July, 2026 #### [New CMS Report: Healthcare Spending Trends Through 2034](https://blog.nisbenefits.com/healthcare-spending-trends-through-2034) New projections from the U.S. Centers for Medicare and Medicaid Services (CMS) Office of the… [Read More](https://blog.nisbenefits.com/healthcare-spending-trends-through-2034) [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news), [ The Administrator's Corner](https://blog.nisbenefits.com/topic/the-administrators-corner), [ Mental Health](https://blog.nisbenefits.com/topic/mental-health) [ Steve Smith ](https://blog.nisbenefits.com/author/steve-smith) 06 July, 2026 #### [New HHS Rule Expands Catastrophic Coverage Access](https://blog.nisbenefits.com/new-hhs-rule-expands-catastrophic-coverage-access) The U.S. Department of Health and Human Services’ (HHS) Notice of Benefit and Payment Parameters… [Read More](https://blog.nisbenefits.com/new-hhs-rule-expands-catastrophic-coverage-access) [ Health Insurance Solutions](https://blog.nisbenefits.com/topic/health-insurance-solutions), [ Legislative News](https://blog.nisbenefits.com/topic/aca-other-legislative-news) [ Mari Wagner ](https://blog.nisbenefits.com/author/mari-wagner) 25 June, 2026 #### [Federal Court Blocks Key ACA Exchange Restrictions](https://blog.nisbenefits.com/federal-court-blocks-key-aca-exchange-restrictions) A recent federal court ruling blocked stricter ACA Marketplace eligibility and enrollment… [Read More](https://blog.nisbenefits.com/federal-court-blocks-key-aca-exchange-restrictions)