E-File IRS Form 1095-C - Employer-Provided Health Insurance

What are ACA Forms?


Tax1099 offers Affordable Care Act Forms 1095-B and 1095-C, for reporting information to the IRS and to taxpayers about individuals not covered by the minimum essential healthcare coverage.
Example use: Any person who provides minimum essential healthcare coverage to an individual must file an information return reporting the individual’s coverage.

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Form 1095-C

The health care law defines that employers must offer health insurance to their workers. The law refers to them as “applicable large employers,” or ALEs.

Every employee of an ALE who is eligible for insurance coverage should receive a 1095-C. Eligible employees who decline to participate in their employer’s health plan will still receive a 1095-C.
The form identifies:

  • The employee and the employer

  • Which months during the year the employee was eligible for coverage The cost of the cheapest monthly premium the employee could have paid under the plan

  • If an ALE does not offer its employees insurance, the 1095-C will indicate that fact. ALEs that don't offer coverage may be subject to financial penalties.

Decision Process

How many FTE (full-time equivalent, defined as working 30 or more hours per week) employees do you have?

How many PT employees do you have?

Choose the timeframe to calculate FT equivalency for your PT employees?

Enter the average hours worked by part-time employee

Total Full-Time Equivalent (FTE) :


  • Fully insured and less than 50 FTE = no reporting requirement
  • Fully insured and 50 FTE or more = 1095-C (Parts 1 and 2 only)
  • Self-insured and less than 50 FTE = 1095-B
  • Self-insured and 50 FTE or more = 1095-C (all parts)

Disclaimer:This calculator is not intended as tax advice.Consult your HR Specialist to confirm the results.

1095-C Deadline and Important dates

With Tax1099.com, we automatically schedule your IRS e-File transmission date for the e-File deadline. That allows you to make changes to forms after creating them for your employees and before sending them to the IRS, without the need to issue corrected forms – all at no additional cost for the e-File update. You may also change the scheduled date to occur earlier than the deadline if you prefer.


Filing Type Due Date
Recipient copy Mar 4, 2020
IRS eFile March 31, 2020
IRS Paper Filing Feb 28, 2020

1095-C eFile Service Pricing

Form 1099 MISC Tax Savings
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pricing tier $2.90/form $1.90/form $.90/form $.55/form Contact us!

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Resource Center

If you’re looking for more information about the ACA regulations, reporting requirements, or IRS information on the ACA, please check the links below: