What are the odds of Feds finding out employer offers HC while employee uses ACA instead?

[Freddie]

3. Very good question

I’m a payroll admin and file the 1095s but what happens after that is anyone’s guess. It’s such a complicated PITA that we now pay our insurance carrier to file it for us. I think the real concern is to catch people getting ACA coverage *with a subsidy* when they have employer coverage available. But if I recall correctly it’s the employer who would be penalized. Especially since the TFG administration pretty much de-fanged the ACA by ending the mandate, who knows if any of this is cross-checked.