ACA Form 1095-B | Tax1099.com

What is a ACA?

The Affordable Care Act contains comprehensive health insurance reforms and includes tax provisions that affect individuals, families, businesses, insurers, tax-exempt organizations and government entities.

Under the Affordable Care Act, also known as Obamacare, taxpayers who do not have health insurance coverage must pay a penalty when they file their tax returns. Those who have health insurance that meets the standards of the law may receive Form 1095-B directly from their health care insurer and from employers who have less than 50 full-time employees (small businesses)

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Form 1095-B

Form 1095-B provides information about your health coverage.

The form has four parts:

  • Part I identifies the person whose name is on the insurance policy. For an employer-sponsored plan, for example, this would be the name of the employee.

  • Part II identifies the employer, if your coverage is employer-sponsored.

  • Part III identifies the insurance company providing the coverage.

  • Part IV lists the people in your household who are covered by the insurance.

1. For each name, there is a box that will be checked if the person was covered by insurance for all 12 months of the year.

2. If that person wasn't covered for the full year, there is a box for each month; the months the person was covered will be checked.

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.

Deadlines

With Tax1099.com, we automatically schedule your IRS eFile transmission date for the eFile 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 eFile update. You may also change the scheduled date to occur earlier than the deadline if you prefer.


Filing Type Due Date
Recipient copy Mar 2, 2018
IRS Paper Filing Feb 28, 2018
IRS eFile Mar 31, 2018

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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:


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