Stop dodging IRS Penalties with the EQ Penalty A Protector

If you have 50 or more full-time employees, the IRS expects you to offer health insurance to at least 95% of your employees—or risk a $2,900 per employee fine under the ACA. They may not knock on your door right away, but when they do, the penalties are real—and expensive.

 Own a business in hospitality, retail, restaurants, staffing, or home care? Managing a seasonal, hourly, or part-time workforce? Then you already know: traditional health insurance isn’t made for your people—or your margins.

 The EQ Penalty A Protector is your ACA-compliant solution. It’s built to shield employers from IRS Penalty A—with ultra-low premiums, guaranteed issue, and no complicated underwriting. These plans meet the Minimum Creditable Coverage (MCC) standards.

 Stay ACA Compliant. Slash Costs. Skip the Fines.

  • Preventive Care Visits, Telemedicine, Pharmacy Benefits Included

  • $0 copays for doctor visits, urgent care, X-rays & labs AND Pays employees cash when they’re hospitalized

  • Save each California employee up to $900 a year in state tax penalties

Completely Stop the IRS at the Door with the EQ Penalty A+B Protector

If you have 50 or more full-time employees, you’re facing not one—but two massive ACA penalties:

  • Penalty A – $2,900 per employee for not offering basic coverage

  • Penalty B – $4,350 per subsidized employee if the coverage isn’t affordable or doesn’t meet minimum value

The EQ Penalty A+B Protector goes beyond basic MEC coverage. It’s a full ACA-compliant Minimum Value Plan (MVP)—designed to shield your business from both Penalty A and Penalty B, while keeping your premiums manageable and your people covered. Waiting to fix it is risky. The IRS is catching up—and they’re collecting.

Here’s the Difference:

  • Everything in the EQ Penalty A Protector

  • PHCS PPO Network Access—900,000+ providers nationwide

  • PLUS: Protects against both ACA Penalties (A & B) with full MVP-certified coverage

Full ACA Compliance Without the Full ACA Cost The EQ Penalty A+B Protector is the plan for employers who want to check every ACA compliance box—without checking their profits at the door.