ACA Reporting Made Easy

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The Affordable Care Act Reporting

When the Affordable Care Act was passed, the IRS updated their Internal Revenue Code to include Sections 6055 and 6056. Sections 6055 and 6056 of the IRC outline the protocol for reporting ACA compliance and offers of coverage to the IRS.

Who Must Report Under Sections 6055 & 6056

IRS Section 6055 states that any person who provides minimum essential coverage to individuals must report to the IRS and furnish statements to individuals. In other words, Section 6055 says that health insurance issuers or carriers, plan sponsors of self-insured group coverage, and executive departments/agencies of governmental units must report those they covered on Forms 1094-B and 1095-B.

IRS Section 6056 states that Applicable Large Employers, ALEs, must provide minimum essential coverage to their 50+ full-time employees and report that to the IRS and furnish statements to their employees. ALEs use Forms 1094-C and 1095-C to report their ACA compliance under Section 6056.

Information Required for Section 6055 & 6056 Reporting

To complete the forms for Sections 6055 and 6056 reporting, you'll need the following information:

  • The covered individual or employee's data (name, address, and SSN/TIN)
  • The plan provider's data (name, address, EIN, and contact info)
  • For self-insured group health plans, the data of the plan sponsors (name, address, EIN, and contact info)
  • The offer of coverage code for each recipient/employee, broken down by month
  • The recipient/employee premium share of coverage, by month
  • Any safe harbor relief codes that are applicable
  • The covered individual's spouse and dependent(s) information, if applicable (name, SSN or DOB, and months covered)

ACA Reporting Deadlines

Providers and employers are required to have their ACA reporting complete by certain dates at the beginning of the year. Those deadlines are:

Recipient/Employee Copies

Paper Filers

e-Filers

Note: The deadline of Recipient/Employee copies for the 2017 tax year has been extended by the IRS from January 31st 2018 to March 2nd 2018. Employers/Insurance Providers can apply for a 30-day extension to e-file Information Returns. Form 8809, Application for Extension of Time to file Information Returns, must be filed by the original due date of the return in order to get the 30-day extension.

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IRS ACA Reporting Penalties

If you don't report your ACA Forms on time, you stand to incur serious penalties from the IRS. Depending on when you do file the complete, correct return determines your penalty.

  • If you file within 30 days of the deadline, the fee is $50 per form.
  • If you file after 30 days but before August 1, the fee is $100 per form.
  • If you file after August 1 or not at all, the fee is $150 per form.

How our ACA Reporting Service Can Help Employers with ACA Reporting


Our ACA Reporting Software automatically generates the ACA codes you need to complete your ACA forms based on the employee information in your account. Then we take it one step further and create your forms for you! Since your forms are sent through a series of error checks before you review them and send them off, you can be sure your ACA return is as accurate as possible.

Key Features of Our ACA Reporting Software

Multi-Client Configuration

API Integration and Bulk Upload features allow you to easily input your employee and benefits information using your current method.

Multi-User Access

Built-in error checks and automatic alerts help ensure your ACA compliance in your offers of coverage as well as in your IRS e-filing.

Simplified Workflow

At the end of each year, ACAwise automatically generates the codes and forms you need to securely e-file your ACA Return Forms.

Multi-Client Configuration

ACAwise also offers postal mailing for our account holders; rather than print and mail employee copies of 1095, we'll do it for you!

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