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Best ACA Reporting Software for 2025-26

Every year filing 1095-C and 1094-C forms is stressful for most of the Applicable Large Employers who handle huge volumes of data and hundreds of forms. There’s the IRS breathing down your neck, and one mistake can have serious consequences. It leads to rejected filings, costly rework, and disgruntled employees.

This is where choosing a solid ACA reporting software makes a huge difference. In this guide, we’ve evaluated six reliable providers in the market based on these criteria: intake methods, validation depth, correction workflows, delivery options, governance and security, integrations, support quality, and total cost.

Remember, there is no single “best” ACA software for every organization. So, you’ll be equipped to pick the one that’s well-suited for your business needs.

ACA Reporting Software Snapshot

Software Provider Best Suited For
Tax1099 ALEs and service teams that want deep validation, multi-EIN control, and automation.
BoomTax HR/payroll teams that want focused ACA tools with clean validation prompts.
ACAwise Service providers who are juggling many EINs and need managed ACA support.
Track1099 (Avalara 1099) Finance/tax teams who are already using Avalara or connected accounting apps.
Sovos Enterprises seeking compliance controls, integrations, and global-grade security.

1. Tax1099


Tax1099 has become a popular choice among ALEs that handle both ACA and 1099 compliance under one roof. What really sets it apart is how it brings IRS AIR and IRIS e-filing together on a single dashboard, making life a lot easier for HR, payroll, and tax teams when year-end reporting rolls around. Plus, its real-time validation checks are built on IRS schema rules, so high-volume filers can relax and file without stress.

Top Features

  • E-file your 1095-C/1094-C forms, handle corrections when you make a mistake, and manage replacements, all on a unified information returns platform.
  • You can get your data into the system using simple file types like CSV/Excel or through advanced, secure, direct connections like SFTP and REST API.
  • It provides code guidance for the tricky Line 14/16 entries, performs affordability checks, finds duplicate data, and verifies employee addresses (USPS).
  • Managers can oversee everything with the multi-EIN dashboard using role-based access and strong security features like MFA/SSO.
  • It handles getting forms to your employees via a secure portal (e-delivery), lets them download PDFs, and offers optional print-and-mail services.
  • Provides 24/7 AI chat assistance to guide users through the filing process and address queries.

Pricing

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
Pros Cons
It scales effortlessly from managing a single company ID (EIN) up to enterprise batches. Because it offers many deep controls, you need to dedicate some time for upfront role setup and mapping, to get the best benefits.
You get clear AIR status tracking, so you know if your IRS submission was accepted or rejected.
The API/SFTP automation features cut down on the need for manual keying of data from HR or payroll systems.

2. BoomTax

BoomTax stands out when it comes to making things clear and easy to follow. It doesn’t try to overwhelm users with a bunch of enterprise-level features. HR folks love how the interface explains everything as they move along, breaking down coverage codes. If your team files once a year and doesn’t need automation, BoomTax can get you through the whole process quickly.

Top Features

  • You can import data using simple files (CSV/Excel) and then fix or update the data right on your screen using edit-in-grid workflows.
  • It helps you file the required ACA form, gives you line-by-line code guidance, and checks the format (schema checks) to ensure your data is correct before submission.
  • It offers role permissions and keeps an activity history so you can track changes.
  • It handles getting forms to your employees either via e-delivery or optional print-and-mail service.
  • Provides multi-channel customer support via phone, email support, and an online help center with articles and FAQs.

Pricing

  • 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
Pros Cons
The system is built with intuitive ACA-first workflows. If you need to handle massive, scheduled data transfers via direct system channels (like SFTP or API), it has lighter automation.
It provides helpful prompts that guide you away from mistakes, which helps reduce reject cycles from the IRS. It has narrower multi-form coverage beyond ACA.

3. ACAwise


ACAwise differentiates itself with its hands-on approach to ACA compliance. Sure, they have got the usual e-filing tools, but their team will actually handle the filings for you. That’s not something you see every day, and it’s a lifesaver for PEOs and companies that want to outsource compliance headaches.

Top Features

  • It offers choices: self-service or full-service ACA filing. It handles corrections and replacements as well.
  • It accepts data via simple file types (CSV) as well as direct, scheduled transfers (SFTP/API). It also includes validation checkpoints to check your data as it comes in.
  • If you manage many clients or entities, you get a multi-client dashboard, plus tools for approvals, and audit trails.
  • Forms can be delivered to employees through an employee portal or a print-and-mail service.

Pricing

  • It offers customized pricing for their ACA reporting services. To get the exact pricing, you must request a quote directly from ACAwise by calling or submitting a request on their website.
Pros Cons
It is strong for organizations dealing with recurring multi-entity seasons. If you want extra features or add-on services, it can increase the total cost.
It gives you the option for assisted filing to help absorb peak workloads during busy times. There might be longer onboarding for custom flows.

4. Track1099 (Avalara 1099)


If you’re already using Avalara for sales tax or 1099 automation, Track1099 just makes sense. It plugs right into Avalara’s compliance network. Finance and IT folks love it because you get strong uptime and solid encryption.

Top Features

  • It handles ACA e-filing and makes sure you get acknowledgments and notifications from the IRS.
  • It has native connectors that link directly to common accounting programs like QuickBooks, Xero, NetSuite, and Bill.com.
  • It allows for team permissions and uses strong security methods like 2FA/SSO.
  • Forms can be furnished to your recipients via e-delivery or optional USPS mailing services.
  • Offers AI assistance for tax queries and mail support.

Pricing

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
Pros Cons
The integrations reduce duplicate entry of data. It offers fewer guided prompts for those complicated Line 14/16 scenarios.
It provides alerts to help your teams stick to critical IRS deadlines. Pricing can seem high if you have a low volume of forms to file.

5. Sovos


ACA reporting is just one piece of Sovos’ bigger toolkit, which also handles withholding, CRS/FATCA, and VAT. What really sets Sovos apart? Their regulatory intelligence engine. It keeps an eye on every new IRS or state ACA rule and makes sure your filings stay up-to-date automatically.

Top Features

  • It handles ACA e-filing, along with managed corrections and workflow approvals.
  • It uses APIs and connectors to talk directly to your business systems like ERP, HRIS, and payroll systems.
  • It provides features for policy-driven retention, audit trails, and secure sign-on (SSO/SAML).
  • It offers both print-and-mail services and recipient access options for employees to get a hold of their forms.
  • Assistance is available via their dedicated Support Portal. They also offer phone and mail support.

Pricing

  • Costs are usually quote-based. Additional fees may apply for advanced API access, state ACA reporting, or regulatory reporting add-ons.
Pros Cons
It provides strong governance and enterprise integration, ensuring internal rules are followed, and systems connect smoothly. It has a higher price point than SMB-focused tools.
It scales across business units and locations, making it a good fit for complex, geographically spread-out organizations. Due to its complexity and integration needs, it involves longer implementation timelines.

Your ACA Platform Selection Guide

ACA reporting is a high-stakes game of keeping the IRS happy and avoiding the dreaded reject notices. Here’s a handy guide to pick the best 1095-C e-file tools that match your needs.

Filing Scope and Scale

  • If you have a single company ID (single EIN) and light volume, prioritize ease of use.
  • If you have many locations (multi-EIN), you need centralized dashboards and tools that handle bulk 1095-C imports.

Intake and Automation

  • Can you upload data easily via CSV/Excel for quick starts? If you are big on automation, you need secure options like SFTP for scheduled batches or REST API for system-to-system flows.
  • Webhooks or notifications for status updates without manual polling.

Validation Depth

  • The software must facilitate ACA codes validation (Linen 14/16) and run affordability safe-harbor logic while you are importing data.
  • It should flag duplicate detection and even verify employee addresses using USPS tools.
  • Look for systems that pop up real-time error prompts and perform pre-transmit AIR schema validation before you hit send.

Corrections Workflow

  • When mistakes happen, you need a simple, clear 1095-C corrections workflow. The platform should offer guided correct/void/replace functions.
  • Ensure it maintains version history and offers automated re-delivery of corrected copies.
  • You must get clear AIR statuses (Submitted/Accepted/Rejected) with simple, readable reasons for rejections.

Integrations

  • Does it have native connectors for HR, payroll, or ERP software? This reduces re-keying and errors.
  • Look for sandbox/testing environments for safe end-to-end trials before peak season.

Recipient Delivery

  • A secure portal (with E-consent), downloadable PDFs, and a dependable print-and-mail option.
  • The platform should also provide delivery tracking and access logs for audits.

Security and Compliance

  • Look for strong controls like role-based permissions, MFA/SSO, audit trails, and policy-driven retention.
  • Encryption in transit or at rest, documented uptime/DR, and third-party attestations like SOC 2.

State Filing

  • Confirm support for jurisdictions that require separate ACA submissions (or export files that match state portals).
  • It must have filters and reports by state, entity, and tax year.

Pricing Transparency

  • Don’t just look at the cost per form. Compare pay-as-you-go versus subscriptions and check the price of add-ons (like mailing, corrections, or SFTP/API access) to see the total cost.

Customer Support

  • Does it have a responsive chat/phone/email option, knowledgeable ACA specialists, and in-season hours?
  • Look for clear help center, checklists, and deadline reminders.

Final Thoughts

How do you pick the right ACA e-filing tool that files through the IRS AIR system with a valid Transmitter Control Code (TCC)? It’s about finding one that matches your company’s specific needs: workforce size, entity mix, and appetite for automation and control.

  • Tax1099: Do you want enterprise-style oversight without the heavy IT lift? Then, this one’s for you. It combines deep ACA validations, flexible imports (CSV/SFTP/API), and smooth recipient delivery.
  • BoomTax and ACAwise: These fit teams who value simple, ACA-focused workflows and/or need managed support.
  • Track1099 and Sovos: These cover your needs if you rely heavily on integrations or require enterprise governance, respectively.

Whatever platform you land on, remember the three golden rules for a smooth season: Prioritize early validations, clear correction paths and employee-friendly delivery

FAQs

1. Who actually has to file these confusing ACA forms?

If you’re an ALE, you generally need to file the 1095-C forms for your full-time employees and send the 1094-C transmittal form.

2. How should codes be validated before submission?

You must run checks for Line 14/16 codes and affordability safe harbors during the import stage. Fix any mismatches and then re-validate everything before you transmit.

3. What if an employee’s status changed during the year?

You must use month-by-month coverage logic to handle these changes. Crucially, keep your drafts separate from your filed returns, and make sure you require an approval step before the final transmission.

4. What are the key dates I cannot miss?

You need to plan around two big ones: the date you must furnish employee copies and the IRS e-file deadline. Always build in extra time for imports, quality assurance, and 1095-C corrections.

5. Does the platform help me file with the State, too?

You need to confirm whether the provider supports the necessary state submissions or if it can at least provide files that are compatible with state portals.

6. Can the software handle all my different locations and multiple EINs?

Yes, but you must choose a tool that has multi-EIN dashboards, scoped permissions, and reporting features that let you filter by entity, location, and tax year.

7. How long do I need to keep all these ACA records?

You need to retain the source data, any employee acknowledgments, and the filing receipts as per policy. Use your platform’s archive features with role-based access.

Choosing the right ACA reporting software is about simplifying your compliance workflow. Make a smarter choice with Tax1099!

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