Top 7 1095-B Software Solutions for 2026

Do you want to file Form 1095-B well on time and dodge hefty ACA penalties? Before you begin, note this key update: With the IRS lowering the e-file threshold to just 10 total returns, most businesses will have to take the electronic route. So, a reliable 1095-B software is not a luxury but a necessity.

How do you gauge if it’s a good 1095-B software? It must prepare AIR-ready XML files, validate SSNs and coverage months, and deliver recipient copies like a pro, either electronically or via the good old-fashioned mail! To help you find the right fit, we’ve reviewed the 7 best 1095-B e-file tools. We’ve rated them on their AIR transmission, integrations, recipient delivery, support, and pricing. You can select one that matches your volume and budget. Let’s get started!

1. Tax1099

Best for: Businesses of any size looking for advanced automations, ACA accuracy, and integrations.

Key Features (aligned to ACA use cases):

• Direct IRS AIR transmission with schema validation and clear reject codes.
• Imports data via CSV/Excel, secure SFTP, and even REST API for large volumes.
• Handles multiple dependents and partial-year coverage with ease.
• Sniffs out duplicates, validates addresses and SSNs, and makes corrections simple.
• Offers a recipient e-delivery portal and an optional print-and-mail service.
• Your data is safe with role-based access, multi-factor authentication, audit logs, and SOC-aligned security posture.
• One dashboard for multiple EINs, with archives and easy export of audit trails.
• You get consolidated compliance. It supports other forms too: 1095-C, 1099 series, W-2, 1042-S.

Pros:

• Strong automation and integration with tools like QuickBooks, Xero and, NetSuite.
• Scales effortlessly from a few forms to large enterprise volumes.
• Does everything from data import to recipient delivery and corrections.

Cons:

• It’s feature-rich. So, it may need a little initial setup for best results.

2. Track1099 (Avalara 1099) – ACA Module

Best for: This 1095-B software is suited for a business of any size, looking for advanced automation, ACA accuracy, and integration.

Key Features:

• Connects with QuickBooks, Bill.com, Xero, and NetSuite.
• Offers AIR filing, portal delivery, optional USPS mail, and API for uploads and status.
• Keeps multi-year archives and lets you manage team permissions.
• Auto-updates ACA schemas each year with manifest building.
• Security features include two-factor authentication and single sign-on, plus exportable audit reports.

Pros:

• Less manual entry and repetitive work due to automation.
• Strong fit if your team already uses Avalara.

Cons:

• Pricier for low-volume filers.
• The ecosystem can feel “locked in” compared to Tax1099.
• Limited ACA-specific data prep guidance compared to Tax1099’s validation prompts.

3. TaxBandits (ACA)

Key Features:

• This ACA 1095-B reporting software has a multi-client dashboard with role-based access, plus AIR transmission and corrections.
• Data imports can be done via CSV, QuickBooks, SFTP, or API (OAuth 2.0).
• Provides print-and-mail add-on service with status tracking.
• Webhooks to send status updates to internal systems.
• White-label e-delivery portal option for your own branding.

Pros:

• Great for firms with many entities and handling recurring ACA filings.
• Strong options for recipient delivery.

Cons:

• The interface density can overwhelm first-time users.
• Add-ons can raise the total cost for basic needs.
• Fewer plug-and-play accounting integrations than Tax1099.

4. BoomTax (ACA)

Key Features:

• Provides guided templates, in-app validations, and AIR submission.
• It has a secure portal and mail fulfillment, plus team permissions.
• Bulk corrections wizard with side-by-side error context.
• Detailed line-level error info for faster fixes.

Pros:

• Clean ACA-first UI with a low learning curve.
• transparent pricing.

Cons:

• Mostly health-coverage reporting software. Handles fewer types of forms outside ACA.
• Lighter automation and API options than Tax1099.
• Fewer enterprise controls and audit features.

5. Yearli by Greatland

Key Features:

• Tiered plans (Core/Performance/Premier) that include mailing services and archives.
• Imports data from CSV files and accounting software. Includes same-day USPS for cutoffs.
• Tools for address validation and bulk recipient management.
• TCC management assistance and retained filing confirmations.

Pros:

• Clear upgrade path as your filing gets more complex.
• Print-and-mail operations you can rely on.

Cons:

• Some ACA features are available only with higher-level plans
• Automation and developer tools are lighter than Tax1099.
• Fewer ACA-specific validations during import.

6. 1099 Pro (ACA Pro)

Key Features:

• Choice of desktop or cloud deployment, and an option of Service Bureau outsourcing.
• Offers bulk uploads through REST/SOAP APIs, along with strong validation.
• Gives you granular permissions and has strong retention and audit policies.
• Supports on-prem databases like SQL Server for controlled environments.
• Secure, seamless features such as SAML/SSO and advanced approval routing.

Pros:

• Good for enterprise-grade governance and scale.
• Option to outsource cuts internal workload.

Cons:

• Total cost of ownership is on the higher side.
• Takes longer to set up compared to cloud-native Tax1099.
• Desktop workflows can be slow for distributed teams.

7. Sovos (ACA)

Key Features:

• Handles end-to-end AIR filing with proactive spec updates.
• Deep ERP integrations (SAP/Oracle/Dynamics), plus SLAs and global support.
• Configurable exception handling and dashboards.
• Multi-step workflow approvals with segregation of duties.
• Monitors regulatory content and uses a rules engine for updates.

Pros:

• Strong compliance rigor for complex organizations.
• Offers robust governance features and reporting.

Cons:

• Custom pricing and implementations take longer.
• Can feel over-featured for simple ACA filing needs.
• Less cost-effective than Tax1099 for small or mid volumes.

Compliance Tips

• Who files 1095-B: If you have the responsibility of minimum essential coverage reporting. For example, insurers or some self-insured small employers.
• Key deadlines: Recipient delivery by March 2 and IRS e-file by March 31 via AIR.
• Mandatory e-file: If you have 10 or more total returns, electronic filing is a must.
• Handling corrections: AIR corrections reduce penalties; early validations limit rejections.
• Record-keeping: Always store proofs of furnishing, AIR acknowledgments, and any corrections you filed.

FAQs

1. Does Tax1099 support multi-EIN filing for 1095-B?

Absolutely! A single dashboard manages multiple EINs and entities.

2. What automation options does Tax1099 offer for ACA filings?

Data can be imported through CSV uploads, SFTP connections, or API integrations. Schema validations, error codes, and correction workflows streamline AIR submissions as well.

3. How can I deliver 1095-B forms to recipients on Tax1099?

You can do this using secure portal access, downloadable PDFs, or optional print-and-mail service with tracking.

4. Can I manage ACA filings and other returns in the same system?

Definitely! Tax1099 supports 1095-B/C alongside your 1099s, W-2, and other forms for consolidated compliance.

5. Is IRS authorization an endorsement?

No. Being IRS-authorized confirms our technical transmission capability. It’s not a commercial endorsement.

Conclusion

What’s the “right” IRS-approved 1095-B e-filing software for your business? That really depends on volume, how many entities you manage, and your automation needs. Tax1099 gives you that sweet spot with AIR-ready validation, flexible imports (CSV/SFTP/API), and streamlined recipient delivery service. So, small and mid-sized filers looking for enterprise-style controls without enterprise overhead, this is your best option.

What about other options like Track1099 and TaxBandits? They can get your job done, but might cost more or take a bit longer to figure out. If you’re handling complex enterprises, 1099 Pro and Sovos are your best bet.

Here’s the bottom line: When choosing the best 1095-B software, look for tools that validate early, make AIR errors clear, simplify corrections, and offer state filing for 1095-B.

Start your 1095-B filing without the stress! Tax1099 makes e-filing easy, quick, and IRS-compliant, without the complexity.

Start e-filing