Top 7 1095-B Software for ACA Compliance 2026

With the IRS lowering the e-file threshold to just 10 information returns, most businesses will have to take the electronic route and rely on 1095-B software for their tax reporting requirements.

File Form 1095-B on time and avoid ACA penalties by choosing a good 1095-B software that prepares AIR-ready XML files, validates SSNs and coverage months, and delivers recipient copies.

To help you find the right fit, we’ve reviewed the 7 best 1095-B e-file tools. We’ve rated each of these tools based on:

• AIR transmission: Does the software transmit directly to the IRS AIR system? Does it have proper schema validation?
• Data integration and automation: How easy is it to import different formats of data? What about integration with popular accounting tools?
• Recipient delivery: What delivery methods does the software offer for sending copies to recipients? Is there a secure portal access with consent management and optional print-and-mail services with tracking?
• Validation: Is it possible to do pre-submission checks for duplicates, SSNs, and addresses to prevent rejections?
• Security: Does it protect sensitive information and employ industry-standard security measures with audit logs?
• Customer support: What about responsive support channels? Are there any comprehensive resources, clear documentation, and filing assistance?
• Pricing: Is the model straightforward with transparent fees and does it offer bulk discount?

1. Tax1099

Tax1099 is an award-winning IRS-approved e-filing platform founded in 2010 by Zenwork Inc. It was created to make complex tax compliance easier for businesses of all sizes at a fraction of the cost.

The company has received recognition, including being a two-time ‘Accountex User Favorite’ Award winner for the ‘Tax Add-On’ category, and was featured in the 2018 ‘Inc. 5000 fastest-growing companies in the country’ list.

Features that help with ACA reporting:

• Direct IRS transmission with schema validation and clear reject codes.
• Import data via CSV/Excel, secure SFTP, or REST API for large volumes.
• Handles multiple dependents and partial-year coverage with ease.
• Removes duplicates, validates addresses and SSNs, and makes corrections simple.
• Get access to a recipient e-delivery portal and an optional print-and-mail service.
• Keeps data 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.
• Get consolidated compliance and support for other forms such as 1095-C, 1099 series, W-2, and 1042-S.
• Provides 24/7 AI chat assistance to guide users through the filing process and address queries.

Best for: Business that require seamless scaling and advanced automation for ACA reporting.

Pricing:

1. Tax1099 uses a volume-based tiered pricing structure for its services.

– 1000+ forms: Custom pricing

– 501 to 1000 forms: $0.68 each

– 151 to 500 forms: $1.31 per form

– 21 to 150 forms: $2.30 per form

– First 20 forms: $2.99 per form

2. Additionally, they also offer three subscription plans:

– Essential: Pay-as-you-go

– Teams: $249/year

– Scale: $349/year

2. Avalara 1099 & W9 (formerly Track1099)

Avalara 1099 & W9 (formerly known as Track1099) is part of the broader compliance offerings provided by Avalara. This platform helps businesses navigate IRS and ACA reporting requirements by leveraging automation to validate taxpayer details, file forms electronically, and deliver copies to recipients.

Features that help with ACA reporting:

• Import data directly from QuickBooks, Bill.com, Xero, and NetSuite.
• Auto-updates ACA schemas each year with manifest building.
• Optional APIs for integrating with ERP and accounting applications
• Offers online portal delivery and optional USPS mail delivery.
• Keeps exportable multi-year audit reports
• Manage team and user permissions.
• Security features include two-factor authentication and single sign-on.
• Offers AI assistant for tax queries and mail support.

Best for: This 1095-B software is best suited for enterprises with high filing volumes or complex processes or businesses that are already part of Avalara’s ecosystem.

Pricing:

1. Pay-as-you-go pricing:

– $0.63 per form: 501 forms+

– $1.30 per form: 166 to 500 forms

– $2.30 per form: 16 to 165 forms

– $3.10 per form: 1 to 15 forms

2. Annual subscription for enterprises: Contact the Avalara Team

3. Additional services, such as state e-filing, TIN matching, address validation, and recipient postal mail, may incur extra charges.

3. TaxBandits

TaxBandits was first created in 2012 under the name ExpressTaxFilings and later rebranded into TaxBandits in 2017. The application has been designed with the goal of simplifying 1095-B e-filing process for businesses, allowing them to save time and focus on running their operations.

Features that help with ACA reporting:

• Offers 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.
• Includes internal audit checks, USPS address validation, IRIS business validation, and smart review.
• White-label e-delivery portal option for your own branding.
• Provides dedicated support team via email, phone, or chat and a 24×7 dedicated dev support for high volume filers.

Best for: This is great for firms managing multiple entities and recurring ACA filings.

Pricing:

1. TaxBandits offers pricing based on volume.

– Custom pricing: 1000+ forms

– $0.80: 501 to 1000 forms

– $1.00: 251 to 500 forms

– $1.15: 101 to 250 forms

– $1.75: 11 to 100 forms

– $2.75: 1 to 10 forms

2. Note that additional charges may apply for add-on services such as mailing and branding.

4. BoomTax (ACA)

BoomTax is a cloud-based health-coverage reporting software designed to help businesses handle the complexity of ACA (Affordable Care Act) information returns. Founded in 2014, it is primarily marketed towards businesses that are legally required to file ACA information returns such as Forms 1094/1095-B and 1095-C.

Features that help with ACA reporting:

• Provides guided templates, in-app validations, and AIR submission.
• Offers a secure recipient copy portal and mail fulfillment.
• Bulk corrections wizard with detailed error information for faster fixes.
• Provides multi-channel customer support via phone, email support, and an online help center with articles and FAQs.

Best for: Small to medium sized businesses that require simple, error-free ACA reporting with some form of automation.

Pricing:

1. BoomTax offers a volume-based pricing model for 1095-B and other ACA filing needs.

– $349 per company: Up to 150 employees

– Custom pricing: More than 150 employees

2. Optional services, such as print-and-mail or e-delivery, add extra per-form fees if selected.

5. Yearli by Greatland

Yearli is a comprehensive, all-inclusive, end-to-end e-filing program developed by Greatland Corporation. The platform is known for its flexibility and is suited for businesses and budgets of all sizes.

Features that help with ACA reporting:

• Import data from CSV files and accounting software with same-day USPS for cutoffs.
• Tools for address validation and bulk recipient management.
• TCC management assistance and retained filing confirmations.
• Handles federal e-file to the IRS/SSA and direct state filing.
• Offers support via online chat, email, and phone.

Best for: This software is ideal for a wide range of businesses looking for flexibility and scalability.

Pricing:

1. It offers three subscription tiers you can choose from:

– Core: Free to sign up + Filing fees

– Performance: $129 annually + Filing fees

– Premier: $799 annually+ Filing fees

For organizations with special requirements, custom plans are also available.

6. 1099 Pro (ACA Pro)

1099 Pro was founded in 1989 to simplify 1099 and W-2 reporting for businesses of all sizes. Over the years, 1099 Pro expanded its capabilities to address evolving IRS requirements, eventually developing comprehensive solutions for multiple form types, including ACA forms for healthcare compliance in 2015.

Features that help with ACA reporting:

• Choice of desktop or cloud deployment, and an option of Service Bureau outsourcing.
• Offers bulk uploads through REST/SOAP APIs, along with strong data validation.
• Gives you granular permission and has strong retention and audit policies.
• Supports on-premises databases like SQL Server for controlled environments.
• Secure, seamless features such as SAML/SSO and advanced approval routing.
• Handles state reporting via the CF/SF Program for applicable forms.
• Offers comprehensive support via phone and mail for both Cloud and Desktop versions

Best for: This is suitable for organizations who require enterprise-grade governance, scalability, and outsourcing options.

Pricing:

1. 1099 Pro offers a 7-day free trial of their cloud platform.

– E-file only: Starting at $499/Year

– E-file + Print & Mail: Starting at $684/Year

– E-File, Print & Mail + eDelivery: Starting at $714/Year

2. A desktop software option is also available, starting at $389 as a one-time purchase.

7. Sovos (ACA)

Originally known as Taxware, Sovos was founded in 1979. Headquartered in Wilmington, Massachusetts, Sovos processes over three billion transactions annually across 19,000 global tax jurisdictions. Their cloud-based ACA solution is part of its broader “Tax Information Reporting & Withholding” suite and was specifically built to support ACA-form filing.

Features that help with ACA reporting:

• 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.
• Assistance is available via their dedicated Support Portal. They also offer phone and mail support.

Best for: With its enterprise-level ACA compliance and deep ERP integrations, it’s suitable for large employers, health insurers, and organizations with complex ACA reporting obligations.

Pricing:

• Costs are usually quote-based.
• Additional fees may apply for advanced API access, state filings, or regulatory reporting add-ons.

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 Form 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 a good 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 good bets.

Here’s the bottom line: When choosing the right 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

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