ACA Solutions Our ACA Solutions take the complexity out of the ACA Submit your info to learn more about our ACA solutions. ACA Essential provides employers with compliance options that will reduce the risk of receiving IRS penalties, saving time and money. The Letter 226J Penalty Reduction Service reviews the penalty proposed by the IRS to reduce or eliminate the proposed ACA penalty from the IRS. Our ACA 5005A Penalty Reduction Service will greatly reduce ACA penalty assessments for employers receiving IRS Letter 5005A/Form 866A. ACA Penalty Risk Assessment identifies potential exposure for IRS Penalty and provides employers with an opportunity to correct their ACA filings. The ACA Optimal Health program reviews enrollment data to minimize the cost of healthcare for you and your workforce, maximizing overall savings. First Capitol's ACA Benefits Reconciliation Service Prevents overspending on health insurance premiums and increases your bottom-line.