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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 ACA 1095 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 1095 Reporting Deadlines for 2018 Tax Year

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

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 Services Can Help Employers with 1095 Reporting


We provide various year end reporting services for you to choose based on your business needs. Our services includes full service E-filing, 1095-C Code Generation, and ACA xml Generation. We also provide the enterprise businesses or TPAs with white label solution, where they can actually resell our aca reporting & e-filing services in their own brand name.

With each of our services, all your Forms are created automatically with the required aca 1095-C codes (aca indicator codes) based on the employee information. You can also review your returns before it gets transmitted to the IRS.

Contact us to know more about our services.

Key Features of Our ACA 1095 Reporting Software

Multi-Client Configuration

Bulk Upload

ACAwise’s Bulk Upload allows you to easily import information of your employees, their payroll and health benefits, that is available in any file formats or through our own template.

Multi-User Access

Built-in Error Handling

ACAwise’s built-in error check and automatic alerts ensure your ACA offers of coverage reported through 1095-C Forms are error free to file with the IRS.

Simplified Workflow

Business Rule Validation

To ensure your returns are accurate and error free to report with the IRS, all the generated returns are automatically verified through the IRS business rule validation.

Multi-Client Configuration

Print & Postal Mail

ACAwise offers postal mailing feature with which all your employee copies will be printed and mailed on-time and on your behalf.


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