ACA 1095 Filing & Forms

Official forms, envelopes and software for reporting health care insurance coverage.

  • ComplyRight® forms, IRS forms & more
  • Small minimum quantities
  • Easy, affordable 1095 software
Form 1095 for ACA Health Insurance Information Return Reporting - ZBPforms.com
File 1095 forms easily with the right options for printing, mailing and e-filing from ZBP Forms.

1095 Forms Available and Important Changes for 2021

IRS 1095 FORM REPORTING

Only the official IRS landscape format can be submitted when reporting to the IRS.

EMPLOYER FILE COPY & REPORTING

Employers file with the IRS in landscape format only. The employer must keep a file copy and provide the recipient a copy for their records.

RECIPIENT REPORTING

Employers provide the employee (recipient) with a copy for using to file their tax returns. They can use the official IRS version (with continuation page), or the approved Portrait format (ComplyRight version).

The official IRS version DOES NOT have a compatible envelope. The portrait format (ComplyRight format) is available in pre-printed or blank formats designed to be mailed in envelope DWMR.

We recommend you verify which format your software prints with before ordering.

NEW!! IRS LANDSCAPE FORMAT IS NOW TWO PAGES

Form 1095-C (IRS Landscape format) is now two pages. Part III, for self-insured coverage that lists the employee and dependents who were enrolled in coverage has moved to Page 3 (instructions are to Page 2).

This is a major change requiring employers to purchase an additional form (1095CIRSC50) to maintain compliance.

Form 1095 Overview for Healthcare Insurance Coverage Reporting - ZBPforms.com
1095 Filing Requirements

These forms are required to report on employee health care coverage. This is part of the Employer Shared Responsibility Rule of the Affordable Care Act.

Medium-to-large size businesses will need to file these forms.

Who needs to file:

  • Employers with 50 or more full-time employees (or full-time equivalent)
  • Self-insured employers with fewer than 50 employees (a very small number of businesses)
  • Health insurance companies
  • Click for details on employers who qualify
  • Businesses can file these forms themselves, or outsource to a payroll company, just like W-2 forms.

Forms 1095-B and 1095-C are used to report to the IRS, and include the following information:

  • Enrolled employees and former employees
  • Details of employees’ health insurance coverage
  • Verification that the minimum essential coverage (MEC) requirement has been met.

Employees and their dependents will use this information to complete their personal tax returns – and those who do not have minimum essential coverage may receive a penalty on their tax returns.

1095-C is for applicable large employers

1095-B is for self-insured employers and health insurance companies

1094-C and 1094-B are the summary transmittal forms

Form

What's Reported

Who Issues

Submit to IRS?

Recipient Copies?

1095-B
Health Coverage

Which months the insured and their family was covered under the plan.

Insurance Carrier, for businesses with employer-sponsored group health insurance plans.

Insurance Carrier Submits:

Feb. 28 paper;
Mar. 31 e-file

Yes, by Jan. 31
Insurance carrier sends to recipients.

1095-B
Health Coverage

Which months the insured and their family was covered under the plan.

Self-Insured Employers, with fewer than 50 full-time employees, that provides health insurance plans.

Feb. 28 paper;
Mar. 31 e-file

Yes, by Jan. 31

1094-B Transmittal of Health Coverage

Summary transmittal record of
1095-B forms

Accompanies 1095-B forms when mailed to the IRS.

Feb. 28 paper;
Mar. 31 e-file

n/a

1095-C
Employer-Provided Insurance Offer and Coverage

Whether or not the employer offered health insurance coverage to employees.

Employers with 50 or More Full-Time Employees (applicable large employers). Both insured and self-insured issue 1095-C

Feb. 28 paper;
Mar. 31 e-file

Yes, by Jan. 31

1094-C
Transmittal of Employer-Provided Insurance Offer and Coverage

Summary transmittal record of
1095-C forms

Accompanies 1095-C forms when mailed to the IRS.

Feb. 28 paper;
Mar. 31 e-file

n/a