Sign Up for ACAPrime Services:

To sign up for “Small Group” ACA Reporting, visit: ACAPrime B Forms Sign Up.

To sign up for “Large Group” ACA Reporting, visit: ACAPrime C Forms Sign Up.

 

Interested in our White Glove Service for Large Groups?  See below or contact diy1095@acaprime.com to set up a meeting / demo.

Everything you Loved About DIY1095 PLUS MORE from the ACAPrime Experts

Need Support with Filings Previously Done via DIY1095?

ACAPrime can help with:

• Production of 1095 Forms from Past Years
• Issuing Corrections for Past Years
• Mitigation of IRS Penalty Letters
• Other ACA Consulting services

Have an inquiry around this service?  Contact diy1095@acaprime.com

ACAPrime More Options for Success and Support

• Still want to DIY 1095s?  ACAPrime offers DIY PLUS – See comparison below between Legacy DIY1095 Process and The Additional Value Adds In Orange that ACAPrime Bring to the DIY Process
• Tired of DIY?  Option to upgrade to our Large Group White Glove Service
• Historical Filings Done Via DIY1095 Support
• Free ALE Determination Service – Make sure you know which forms to file
• IRS Penalty Letter Response Team – Our team has mitigated tens of millions in penalties and has in-house legal
• ACA and Compliance Consulting Available
• Download our Full Service Overview Here

Comparison the Old DIY vs the New DIY with ACAPrime

Process / Service / Deliverables:

Peace of Mind and More Help

DIY1095 Process – Legacy

1. Set up each employer online manually
2. Complete and Upload Template
3. Fix Data Issues
4. Review and Finalize Forms
5. Log into Nelco System
6. Select services and Pay for E-File / Print & Mail
7. Log in Day later to determine status / IRS Acceptance
8. Go through (arduous) process to make corrections
9. Hope everything went through well
10. No Support for IRS Penalty Letters

DIY ACAPrime Process

1. Sign up for ACAPrime Service (See B forms and C forms options below)
2. ACAPrime sets up Access Levels and Sub-folders by Client
3. Groups:  Complete and Upload Template for each Group.
   • No manual entry of employer info
   • Groups with multiple EINs just need one template
4. ACAPrime Quality Audit
   • ACAPrime provides detailed Quality Audit Report with over 300 Error Checks
   • Easy Button:  ACAPrime makes “Quick Fixes” to data issues and reports back what was changed
5. Groups:  Approve Forms
6. ACAPrime Prints & Mails / E-Files
   • No Additional Charge for E-File
   • Print & Mail is Optional and can be billed up front
7. ACAPrime notifies you via email when E-File is Accepted and Provides Receipt ID
8. ACAPrime provides Corrections in easy to review and submit
9. Down the road ACAPrime can help with IRS Letter Response and Penalty Abatement (Additional fees may apply for non White Glove Clients)
10. Full Service and Custom Service Options Available

Quick Links to Review:

• Small Group “B” Forms Reporting

• Large Group “C” Forms Reporting

• Penalties for Non-Compliance

• Free ALE Determination

• Key Due Dates and Timeline

• ACAPrime Overview

• ACAPrime Guarantees

DIY – Small Group “B” Forms Reporting

Small Group Required Data

You have several options on the format of the data to be uploaded.  Employers may upload:

• Standard ACAPrime B Forms Spreadsheet  (Click Here to Download Template)
• Spreadsheet with all Necessary Data 
• Unmasked SSN 1095-B PDF Copies
  
• XML Files (Manifest & Data) from your Insurance Carrier

When do we need your data?

Once your enrollments are completed for a given year, please upload your data.  This is typically early December for the given tax year, but could be later upon finalization of your enrollments.

 

Upload Your Data to Box

Once you signup via the link, you will be invited to sign-up for Box.com to upload data securely and easily.

Should you have any questions:  contact diy1095@acaprime.com. 

To sign up for “Small Group” ACA Reporting, visit: ACAPrime B Forms Sign Up.

DIY – Large Group “C” Forms Reporting

Overview

• “PLUS” Service is for Clients that are well versed in ACA Reporting for ALEs.
• Clients should understand in detail lines 14 to 16 coding, Part III instructions for covered individuals, and how to complete all fields in all forms 1094C and 1095C.
• Those not familiar with the ACA Reporting Requirements or unable to complete the template should consider upgrading to the ACAPrime White Glove Service.
• For more information about the Requirements, see: IRS Instructions.

What is Included

• Online Instructions (see below)
• QA Report for Line 14-16, 1094C, and other Common Errors
• 1094 / 1095 Form Generation for Download in PDF Format
• Electronic Filing with IRS and Applicable U.S. States
• Optional Print & Mail Service
• Ability to Upgrade to White Glove Service as necessary

• Download the template
• Rename the Template to include your employer name in the file name
• Please complete all required columns on the following tabs:
  • Employer Info Tab
  • Employee Tab
  • Covered Individuals Tab (only if your company is self funded) – this should include both employees & their dependents enrolled
• Review the instructions tab in the template for more information
• Watch the Tutorial Below for additional help

Click Here to Download the ACAPrime “C Forms” Template

To sign up for “Large Group” ACA Reporting, visit: ACAPrime C Forms Sign Up.

White Glove – Large Group “C” Forms Reporting

Want more help with complex ACA Reporting?
Want guaranteed support and account management?

Try our White Glove Service.

White Glove Data Compilation for Large Group “C” Form Reporting

Simply fill out our Implementation Questionnaire, submit your data, and we do the rest!
Data validation, cleaning, merging, and mapping.

• ACA Consulting, configuration, coding, and validation
• 1095-C Form creation – Ready to mail with masked SSN (unmasked version is available)
• Automated validation programs written in-house inspect each cell for data logic discrepancies
• Electronic filing with the IRS
• Easy-to-use Cloud Drive for data and file sharing (HIPAA Compliant)
• Optional printing and mailing services
• Individual U.S. State ACA filing included free of charge as applicable
• Assigned Account Manager with phone & email support
• Unlimited assistance with responding to any IRS ACA letter received

For more information contact sales@acaprime.com.

Penalties for Non-Compliance

For returns due in 2025 (2024 tax season), in addition to the standard “A” and “B” penalties, companies face up to $990 ($330×3) per form from these penalties:

• Failure to file a Correct return with the IRS is $330 per form

• Failure to provide a Correct payee statement is $330 per form

• Failure to file electronically with IRS, if required, may be subject to a penalty of $330 per form

Example Penalty Calculation:  If an employer has 200 1095 forms to file and does so incorrectly, they could face a penalty of as much as $198,000.

These penalties increase every year.  For further information, see:  https://www.irs.gov/irm/part20/irm_20-001-007r.

ALE Determination: Which Forms to Report?

ACAPrime can help you determine an employer’s filing status for any given year free of charge.   Employers will need to supply requisite hours and employee data for the previous year.

• Small Group “B” Forms

Groups that are not ALEs (applicable large employers) offering self-insured group health plans, level-funded group health plans, or ICHRAs must file type “B” Forms.  Here are the IRS instructions for filing 1094-B and 1095-B forms:  https://www.irs.gov/pub/irs-pdf/i109495b.pdf.

• Large Group “C” Forms

Any employer that averages over 50 FTES (full time equivalents) for the previous calendar year is considered an ALE (Applicable Large Employer) for the current calendar year.  Here are the IRS instructions for filing 1094-C and 1095-C forms:  https://www.irs.gov/pub/irs-pdf/i109495c.pdf.

• ACA Reporting Not Applicable

Employer with less than 50 FTE in the prior calendar year and either do not offer group health plan or offer a fully-insured plan, you are not subject to ACA reporting.

Key Due Dates and Timeline

Note:  ACAPrime does not have a cutoff date.  That said, we just cannot guarantee delivery of services by a given IRS deadline if requisite data is not made available at least 21 days prior to a given deadline.

• Q3 & Q4 of 2024: Collect Employer Level Info and Implementation Form Answer to Questions
• Late Dec 2024 / Early Jan 2025:   Collect all data needed for processing including Census and Enrollment Information.
• Late Jan 2025 / Early Feb 2025:   Finalize Filing for Review and Sign Off by Group.
• Mar 3, 2025:     IRS Employee Form Distribution Deadline 
• Mar 24, 2025:   E-File all Groups – we wait until then so we have any last corrections to names, addresses, etc
• Mar 30, 2025:   Notify all groups E-file is successful, ask for any SSN/Name corrections as specified by IRS acknowledgment
• Mar 31, 2025:   IRS E-File Deadline
• Through-out Year:  We handle back filings for those employers that have not filed and handle IRS letter responses (typically new clients that did not file or have a penalty).

ACAPrime Overview

ACAPrime [Powered by ChannelBound, LLC] offers comprehensive ACA Reporting and Compliance services. ACAPrime provides streamlined services for benefits consultants and employers. ACAPrime’s unique combination of seasoned ACA experts, data integration specialists, in-house legal, and accounting professionals deliver an efficient, accurate, and trustworthy experience to each of our clients.

While ACA reporting requirements can be complex and the penalties can be steep, ACAPrime provides services to ensure:

• Ease of reporting by providing comprehensive data integration services
• Quality through ACA expertise and a multi-tiered QA process
• Peace of mind with In-House Legal and Accounting
• Support from expert ACA Account Managers
• Guarantees on our work and deliverables

ACAPrime Guarantees

IRS Inquiry Help: For customers that signed up for our Premium Service: If your company ever receives any type of question around what was reported in your ACA filing, be it a 226-J letter, 5699 letter, or otherwise, ACAPrime will help you review, analyze, and create a detailed response Note: We have helped many companies (that did not originally use our services) to respond to IRS inquiries and help mitigate penalties.

Penalty Reimbursement for Errors: If it is found that ACAPrime made an error in reporting or filing that caused a penalty, we will cover the cost of that penalty. (Note: This has not happened. But we are asked by new clients quite a bit for this assurance.) ACAPrime carries E&O Insurance just in case.

State Level Reporting Included Now and Forever: U.S. states continue to pass laws requiring ACA related reporting for employers and employees. ACAPrime includes handling all state requirements as part of our service free of charge now and in the future. Our goal is to make this easy for all of our clients. For the latest on State Level Reporting, see here.

Information Retention and Data Security: We retain all data used to compile ACA reporting including all communications for a period of at least 7 years.

Electronic Filing Requirements

As of the 2023 tax season, practically all but the smallest employers must electronically file their required 1094 and 1095 forms.  The new “aggregation of returns” rule requires employers to sum up their employer form submissions each year, including forms W-2, 1099, as we all as the 1094B/C and 1095B/C.  If this sum is 10 or greater, they must file each form as required electronically.

See: https://www.federalregister.gov/documents/2023/02/23/2023-03710/electronic-filing-requirements-for-specified-returns-and-other-documents

Submitting ACA forms (1094B/C and 1095B/C) electronically requires an employer to meet specific formatting guidelines and also apply for a TCC.    For more information, see:  https://www.irs.gov/e-file-providers/air/apply-for-the-affordable-care-act-for-transmitter-control-code-tcc.  The vast majority of employers outsource the electronic filing to a third-party firm that specializes in these filings.