4J Insurance Brokerage

08/17/2026

t would appear that 10 hours of coding is my absolute limit, but our 2027 ACA Affordability Calculator is officially up and running!

And yes, I absolutely spent way too much time making sure this thing did more than just spit out a number. 😂

If you’re an employer trying to get ahead of your 2027 benefits strategy, this calculator will help you screen:

• Whether you may qualify as an Applicable Large Employer (ALE)
• The 2027 ACA affordability threshold of 10.22%
• Your employee contribution against the Federal Poverty Line safe harbor
• The 95% offer requirement
• Minimum Value
• Common ownership and related-company workforce issues
• Group health participation and carrier marketability

In other words, I wanted to build something that gives employers a better starting point than, “I think we’re probably okay.”

It is not a substitute for legal or tax counsel, and it is not an IRS determination. But if you’re planning for 2027, growing toward 50 employees, operating multiple companies under common ownership, or trying to figure out whether your contribution strategy is headed in the right direction, this is a pretty solid place to start.

I’m proud of this one.

Now I’m going to close Visual Studio before I convince myself to add another feature tonight. 😂

Try the 2027 ACA Affordability Calculator:

Free ACA screening tool for Texas employers. Check applicable large employer status, aggregate commonly owned businesses and test affordability risk.

08/13/2026

Unsubscribing: What Texas Employers Are Really Choosing When They Skip Workers' Comp

Texas lets you opt out of workers' comp. Here's what actually gets switched off — the three defenses you lose, the Texas Supreme Court case that decides the math, and the compliance calendar nobody mentions.

07/27/2026

How Texas School Districts Choose Benefits Consultants in 2026

Learn how Texas school districts evaluate and select employee benefits consultants for TRS-ActiveCare, funding strategies, and compliance support.

07/13/2026

The revamped website is officially in it's final phases, and is beyond functional. Check it out! www.4jinsurance.com

06/22/2026

You finally fill that open role. Six months later, they're gone. Not for more pay, but for better benefits at a competitor.

If that stings, you're not alone. In 2026, your benefits package is one of your biggest tools for keeping good people and recruiting the next great hire.

Our new guide breaks down how to choose an employee benefits consultant who actually controls your costs, keeps you compliant, and helps you hold onto your team.

Read it here:

A practical 2026 guide to choosing employee benefits consulting for cost control, compliance, and retention.

11/17/2025

Have you ever wondered whether your insurance claims remain private? Learn what information is available to insurers through a CLUE report, how to get one, and how it impacts your insurance.

When you make an insurance claim, it can stay on record for up to seven years. Here's why CLUE reports are important and how they affect your premiums.

11/14/2025

Trying to decide whether to buy or rent a home? There are 4 important questions you should consider.

The decision whether to buy or rent a home may have long-term implications.

11/12/2025

Do you have electrical panels in low areas? Read this tip.

Prevent major flood damage with this tip.

11/10/2025

Turning to coaches for advice is a smart thing to do. We'd like to be one of those coaches.

Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.

11/07/2025

Do you know what all those emojis you keep seeing in your text messages mean? Here's a handy guide.

Do you understand these common mobile slang terms?