Staying compliant with the Affordable Care Act (ACA) remains an ongoing responsibility for employers, particularly those classified as Applicable Large Employers (ALEs). Each year, employers must report detailed information about health coverage offers to the IRS and provide statements to employees. When filings contain errors, miss required details, or arrive late, employers often face IRS notices, penalties, and time-consuming corrections. For this reason, ACA compliance services play a critical role in helping employers meet reporting obligations with confidence.
ebm helps employers manage ACA reporting with end-to-end support for 1094-C and 1095-C preparation, filing, and employee statement distribution. Our ACA compliance services are designed to reduce manual work, improve reporting accuracy, and help employers meet IRS deadlines with greater confidence.
Our ACA compliance services support employers through accurate and timely filing of forms 1094-C and 1095-C. By prioritizing diligence, precision, and completeness, we help organizations meet IRS requirements while reducing risk and avoiding unnecessary administrative burden.
Our ACA compliance services are designed for employers dealing with the complexity of gathering and reporting ACA data across multiple sources.
Who our ACA compliance services are for
For many organizations, the information needed for accurate filing does not live in one place. Eligibility, payroll, and coverage data are often spread across systems, making it difficult to compile complete and accurate reports.
This is especially relevant for:
- Applicable Large Employers (ALEs responsible for annual ACA reporting
- Employers managing multiple plan offerings or complex employee populations
- Organizations with ACA data spread across payroll, benefits, and other systems
- HR teams that have handled ACA reporting internally and are looking to reduce the time, effort, and risk involved
What our ACA compliance services include
Our ACA compliance services address the full scope of ACA reporting requirements.
1094-C and 1095-C preperation
We complete Forms 1094-C and 1095-C and prepare Section III for self-funded plans when applicable. Our team also tracks monthly employee counts and determines the correct number of forms required for accurate 1094-C reporting, helping employers maintain consistency across all submissions.
Section III reporting for self-funded plans
For self-funded employers, we complete Section III reporting to capture covered individuals accurately. This includes validating dependent and coverage data to ensure all required information is included.
Indicator code and effective date review
During the filing process, we determine the appropriate indicator codes and assign accurate plan effective dates so filings reflect coverage offers throughout the reporting year.
IRS electronic filing and employee statement distribution
After finalizing the forms, we electronically file the 1094-C with the IRS and fulfill 1095 forms to employee addresses via USPS. This end-to-end process supports timely delivery and compliance with IRS distribution requirements.
Structured review to improve filing accuracy
Accuracy sits at the center of effective ACA compliance services. Our filing methodology significantly reduces reporting errors that can trigger IRS follow-up or create additional administrative work. For employers that prioritize clean data management, we also offer the option to flush the reporting database once filing is complete.
How our ACA compliance services process works
Our approach emphasizes upfront diligence and structured review to support accurate ACA filings. We prioritize deadlines so employers avoid late penalties and ensure all required information reaches the IRS on time.
As part of the filing process, our team reviews employee data, coverage details, indicator codes, and effective dates for consistency. By reviewing employer-provided workforce and coverage information, we help ensure ACA filings accurately reflect an organization’s reporting year obligations. This structured approach reduces risk and supports defensible filings.
Compile data
ACA File starts with a standardized Microsoft Excel workbook used to capture eligibility, coverage, and employee information.
Track changes
Throughout the year, updates are made directly within the workbook as employees are hired, terminated, or experience coverage changes. This keeps reporting data current and reduces the need for last-minute data gathering at year end.
Generate reports
At year end, the completed workbook is uploaded into our system to generate Forms 1094-C and 1095-C. During this process, we identify missing information and flag potential issues so they can be addressed before filing.
eFile and fulfill
Once finalized, Forms 1094-C are electronically filed with the IRS and 1095-C forms are printed and mailed to employees. This ensures both filing and distribution requirements are completed accurately and on time.
Why employers outsource ACA compliance services
ACA reporting comes with strict deadlines, detailed requirements, and little room for error. For many employers, managing that process internally becomes difficult to maintain year after year.
As reporting requirements evolve and workloads shift, it’s easy for ACA filing to become a reactive, last-minute effort rather than a structured process.
Outsourcing ACA compliance services helps:
- Reduce the manual effort required to manage annual ACA reporting
- Lower the risk of filing errors and missed deadlines
- Improve confidence that filings are complete and compliant
- Provide HR and benefits teams with reliable support throughout the reporting cycle
Why choose our ACA compliance services
Selecting the right ACA compliance services provider can make a meaningful difference in an employer’s ability to meet reporting obligations. Our team brings deep experience in ACA filing requirements and understands the level of precision IRS reporting demands.
Our services offer a cost-effective way to manage ACA filings without requiring the use of a specific benefits or HR platform. With a focus on accuracy, timeliness, and completeness, employers can rely on our team to submit filings correctly and on time.
Accurate ACA filing plays a critical role in maintaining compliance and avoiding unnecessary risk. Detailed reporting requirements and strict IRS deadlines leave little room for error. A structured filing approach helps employers complete required forms correctly, submit them on time, and align filings with reporting year obligations, giving organizations confidence in how they manage ACA responsibilities.
Talk to ebm about ACA compliance services
Getting started with ACA compliance services is straightforward. Our team works directly with employers to gather required reporting information, manage the filing process, and submit accurate forms on time.
Request information below to begin your ACA compliance services and ensure your ACA filings receive the level of care and precision they require.
