File IRS Form 1095-C Online
E-file Form 1095-C & 1094-C Employer-Provided Health Coverage Information Securely with Tax2efile
Simple Steps to E-File Form 1095-C & 1094-C
Register with Tax2efile- Provide Required Tax Information
- Submit Your Form to IRS
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E-file Form 1095-C Effortlessly with Tax2efile
E-filing Form 1095-C is non-negotiable for modern businesses. Skip the complicated ACA submission by choosing Tax2efile as your e-filing partner. Our platform is exclusively designed to simplify the Form 1095-C filing process, with user-friendly guides. Whether you are employers, insurance administrators, or tax professionals, our system is the optimal solution for your ACA compliance. We are completely in accordance with the IRS regulations, our system ensures your submissions are accurate and on time.
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Bulk Upload Capabilities
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Ensures Accuracy
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Print and Mail
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What is Form 1095-C?
Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, is a tax document that proves whether your employer offered you health insurance that meets the standards of the Affordable Care Act (ACA).
You will receive a 1095-C form if you are a full-time employee of a company with 50 or more full-time employees (an “Applicable Large Employer” or ALE”).
- You will get one if you are a full-time employee for at least one month of the calendar year.
- You might also get one even if you were a part-time employee but were enrolled in your employer’s health plan.
What is an Applicable Large Employer?
If an organization or employer has 50 or more full-time employees and full-time equivalent (FTE), employees are designated as Applicable Large Employer (ALE) under the Affordable Care Act (ACA).
The ALE status is a very important level that decides if an employer has to fulfill the particular health coverage conditions imposed by the Affordable Care Act.
The ”50 employee” rule is not only about the number of people you have. It also involves a calculation of Full-Time Equivalent Employees, which basically combines both,
- Full-Time Employees: Those who are working an average of at least 30 hours per week (or 130 hours per month).
- Full-Time Equivalent (FTE) Employees: Part-time and seasonal employees’ hours are converted into FTEs to check if they take you beyond the limit.
Fast, Easy & IRS-Approved 1095-B Filing Starts Here
Why Form 1095-C is Important?
Ensures ACA Compliance
1095-C is the form that shows that an employer follows the Affordable Care Act (ACA) requirement by providing the minimum essential coverage (MEC) to full-time employees.
Avoids IRS Penalties
Timely and accurate filing helps Applicable Large Employers (ALEs) avoid costly IRS penalties for failing to report employee health coverage properly.
Proof of Health Coverage
Employees refer to Form 1095-C as a record to confirm the health insurance provided by the employer while submitting their yearly tax returns.
Premium Tax Credit (PTC) Eligibility
Information on Form 1095-C is used by the IRS to figure out if an employee is eligible for the Premium Tax Credit when purchasing insurance through the Marketplace.
Understanding the Form 1095-C: Parts Explained
Below is a detailed explanation of the Form 1095-C required fields for better understanding.
Part I: Employee and Employer Information
This part covers the basic information about the employee and employer, including Name, SSN, EIN (for employer), Address, and Contact number.
Part II: Employee Offer of Coverage
This section details the offer of coverage made to you, month by month.
Line 14 – Offer of Coverage Code:
This code defines whether your employer offered health insurance each month or not. Some examples are:
- 1A: Qualifying offer of coverage to you, your spouse, and dependents.
- 1E: Offer coverage to you only.
- 1H: No offer of coverage.
- 1I: Qualified offer of coverage to you and your dependents (but not your spouse).
These codes tell the IRS your employer met their obligation.
Line 15 – Employee Required Contribution:
This is the lowest-cost monthly premium you would have had to pay for self-only coverage under your employer’s plan. This number is used to determine if the coverage was “affordable.”
Line 16 – Section 4980H Safe Harbor and Other Codes:
This code explains why you were or weren’t offered coverage. Common codes relate to waiting periods, termination of employment, or whether you were a part-time employee.
Part III: Covered Individuals
If you were enrolled in your employer plan, this section lists everyone who was covered under your plan (you, your spouse, and your dependents) and the months they were covered.
When is the Form 1095-C Deadline?
| Filing Type | Deadline |
|---|---|
| Paper Filing | February 28th |
| Employee Copy Distribution | March 2nd |
| IRS Electronic Filing | March 31st |
Note: If the due date/deadline falls on a Saturday, Sunday, or federal holiday, the filer will need to E-file on the next business day.
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Frequently Ask Questions
Find answers to commonly asked questions about our products and services.
- Form 1095-B: Filed by insurance providers or small employers (under 50 employees) offering health coverage.
- Form 1095-C: Filed by large employers (ALEs) to report coverage offered to their full-time employees.
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