ACA Reporting and Compliance
Timely delivery of ACA statements with compliance you can count on
For most organizations, the complexity associated with organizing, producing and distributing ACA statements (IRS form 1095-C) accurately is beyond what can be managed internally.
Experian Employer Services can help.
As a leader in employer compliance management, we leverage our proven experience managing year-end tax statements to meet your ACA fulfillment needs and minimize compliance risk.
- Receive support from team members with decades of experience dedicated to your success
- Give employees convenient access to current and historical tax statements through a self-service portal
- Benefit from a seamless Workday integration, file validation and file transmission to improve your compliance
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Timely Delivery of 1095-C Forms to Employees
We manage all the details of producing and delivering your ACA statements directly to your employees before tax season. Your 1094-B/1095-B and C forms are validated against IRS business rules to ensure the latest compliance requirements. Employees can receive their ACA statement electronically after opt-in, following the new alternative furnishing methods laid out in IRS Notice 2025-15.
Seamless ACA Reporting from Workday
Experian Employer Services offers a Workday Badge Certified integration for ACA State Filing & Print/Mail Fulfillment making it easy to support state ACA filing and coordinate print & delivery of ACA statements from the Workday platform. This turnkey process enables your employees’ ACA data to be fed directly to us for the fulfillment, saving you valuable time preparing data files for reporting. Experian also facilitates IRS and State file generation and reporting for CA, DC, NJ and RI, including direct IRS and CA file transmission.
Fulfill All State ACA Reporting Requirements
Our ACA reporting service assists with preparing ACA information that employers will need to submit to the IRS and state-specific formats for CA, DC, NJ and RI.
ACA compliance reporting services you can count on
Rely on the experience of a leader in ACA reporting that managed the production of 11.2 million ACA statements for the 2022 tax season and ensure full compliance with all ACA reporting guidelines.
Read Our One-Stop Guide to ACA Reporting and Compliance
Discover the requirements for accurate and compliant ACA reporting, including how to understand the employer and individual mandate, minimal essential coverage, affordability, and more. Additional information on Forms 1095-C and 1095-B gives insight on how to ensure these forms are completed and filed correctly by their respective deadlines and how ACA services can streamline this process.
Deep expertise with proven delivery
Our subject matter experts have spent decades managing enormous volume production for employers with on-time distribution of precise tax statements. Our experience enables detailed knowledge of the latest year-end compliance requirements for employers and their employees alike, including for ACA reporting.
Ease of use
Our year-end solutions are designed for easy implementation and adoption. Take advantage of real-time current and former employee access to all year-end tax statements from integrated portal. Rely on over 300 validation/error checkers to improve compliance with all tax reporting guidelines. Generate reports and address employee-specific issues with administrator tools.
Efficient file management
Employers can rely on a proven process for file validation and with reissues and form corrections to ensure accuracy and compliance. We assist with the preparation of required ACA information employers need to submit to both the IRS and state-specific formats for California, New Jersey, Rhode Island and Washington D.C.
The power of Experian
Employers partnering with us benefit from the size, flexibility and security of Experian. Our solutions can scale with your needs while providing your employee with experience they deserve while data is protected by the most secure data facilities.
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ACA Reporting Services: FAQs
Remaining compliant with the Affordable Care Act is essential as a business owner. With that said, choosing the right ACA reporting service provider is essential. Some of the top reasons you need to enlist the help of ACA reporting services include:
- Compliance: The Affordable Care Act created a long list of laws and regulations certain businesses must follow. However, not all companies have the capacity or expertise to ensure their ACA reporting is accurate and compliant. With ACA compliance reporting services, you can ensure you’re following all ACA guidelines to avoid noncompliance penalties and fines.
- Efficiency: Managing ACA reporting is a complex process and resource intensive. With the right ACA reporting partner, you can gain access to resources and expertise that can streamline complicated processes to improve efficiency.
- Time-saving: ACA reporting involves a lot of paperwork and strict deadlines. If your current HR team doesn’t have the resources or capacity, missing deadlines and accumulating penalties and fees can happen. With ACA reporting services, you can ensure your ACA reporting is submitted on time.
- Cost-saving: The ACA reporting process requires a lot of resources and capacity to ensure compliance and deadlines are met, which can be costly. ACA compliance reporting services can help reduce HR costs that can be put toward other areas of your business.
These are just some of the many reasons working with the right ACA reporting service provider can help your business.
At Experian Employer Services, we can satisfy your ACA reporting needs to ensure deadlines are met and compliance is achieved. With our ACA reporting services, we can easily fulfill 1095-B and C forms either electronically or by print and mail, ensure they’re submitted on time and meet IRS and state-specific compliance guidelines.
We offer end-to-end ACA reporting services and an expansive suite of employer services products that can help your organization streamline its workforce management processes. From Employee Benefits Management to I-9 Administration, our employer services can improve your employee life cycle while increasing your bottom line and compliance.
Under the Internal Revenue Code, employers and health insurance providers are required to report information to the IRS about the health insurance coverage they offer their employees. ACA reporting is enforced to ensure employers with 50 or more full-time employees provide them with health insurance coverage.
ACA reporting is required annually and requires employers to provide information such as the number of employees enrolled in health insurance coverage, the cost of coverage and more. Form 1094-C is used to report the employer’s IRS summary information, while form 1095-C is used to report each employee’s coverage. Because ACA reporting requirements can be complex, many companies turn to ACA reporting services like Experian Employer Services, which can ensure compliance and accuracy in navigating ACA reporting requirements.
ACA compliance refers to following the regulations outlined in the Affordable Care Act, such as the employer mandate, individual mandate and reporting requirements. In order to remain in compliance, employers must offer affordable health insurance coverage to their full-time employees. This means tracking employees’ hours to ensure they’re reaching full-time status, reporting that information to the IRS and ensuring employees are getting copies of the required forms.
The ACA enforces an employer mandate and an individual mandate, which outlines who must comply with the ACA. Under the employer mandate, applicable large employers (ALEs) with 50 or more full-time employees must offer affordable health insurance coverage to all employees who reach full-time status.
The individual mandate is another guideline that requires most individuals to have health insurance. The employer and individual mandate are closely intertwined, but the intricacies of each can be complex. This is where an ACA reporting service provider like Experian Employer Services can help.
While many businesses must fulfill ACA reporting requirements, not every company does.
Under the ACA, applicable large employers with 50 or more full-time employees are required to offer affordable health care coverage. With that said, any business with fewer than 50 full-time employees is not mandated to meet the reporting requirements of the ACA. Additionally, certain groups typically do not need to fulfill ACA reporting requirements, such as most local, state and federal employers as well as certain religious organizations.
The penalty for noncompliance for ACA reporting can vary depending on the rule or regulation that was not followed. However, there are standard penalties that businesses may be subject to for not fulfilling their ACA reporting duties. For example, employers who do not offer Minimum Essential Coverage (MEC) to at least 95% of its full-time workforce and at least one full-time employee purchases health care coverage through the Marketplace and receives a Premium Tax Credit is subject to the 4980H(a) penalty, which amounts to $229.17 per month or $2,750 annually for each employee.
Other penalties for not meeting ACA reporting requirements include a Failure to File Penalty, Failure to Furnish Penalty and the 4980H(b) penalty. You can turn to a reliable ACA compliance reporting service like Experian Employer Services to avoid penalties. Contact us today to see how our ACA reporting services can ensure you meet all compliance laws to avoid penalties and fines.
ACA Employer Penalties Increase in 2024
Failing to comply with ACA reporting requirements can result in hefty fines and penalties, which can hurt your bottom line and your reputation. In this guide, we walk through the ACA employer reporting penalties being updated in 2024 and how employers subject to the employer mandate might be impacted. You will also learn how ACA compliance services can help ensure you follow all regulations, information on existing penalties and more.
ACA Compliance: What Is It?
The Affordable Care Act (ACA), also known as Obamacare, is a federal regulation aimed at increasing access to affordable healthcare for underinsured or uninsured Americans. Most employers are required to meet ACA reporting requirements to remain compliant with the ACA. In this guide, we explore what ACA compliance is, the key ACA reporting requirements, how ACA compliance services can help and more.
What Are Employer Services?
Employer services refer to the comprehensive services a third-party workforce management solution offers organizations, particularly their HR and payroll teams, to support employees. Employer services can include a wide range of services, including income and employment verification, I-9 administration, tax credit management and ACA compliance services. Learn more about how employer services can benefit your organization in this blog.
ACA Reporting Compliance for Employers
The Affordable Care Act is a key piece of federal legislation that was signed into law to increase the accessibility of health insurance to uninsured or underinsured Americans. However, the recent Tax Cuts and Jobs Act of 2017 removed the penalty for not having health insurance, causing many states to enact state-level legislation to control healthcare costs. Learn more about state-specific ACA reporting requirements here.
ACA Reporting Software — Simplifying and Streamlining Compliance
Any business, regardless of industry, may find it challenging to maintain ACA compliance due to the sheer volume of data and the number of individuals receiving healthcare coverage through the ACA. For this reason, most companies depend on ACA compliance services to help them satisfy the annual ACA statements they’re required to give their staff. Review our guide to find out more about ACA compliance and reporting, as well as how your company may improve and expedite its filing process by utilizing the analytics features of ACA software.
The ACA and Seasonal Employees Guide
Under the ACA, employers must provide their full-time staff access to affordable health insurance. But what about seasonal employees who only work for a certain portion of the year? Here, we break down ACA reporting requirements for seasonal employees, diving into how seasonal employees are defined, penalties for noncompliance, when you should offer seasonal employees healthcare coverage and more.