Top 5 1095-C Software for ACA Reporting in 2026

Applicable Large Employers (ALEs) use Form 1095-C to report the health coverage they offered to full-time employees. An employer is generally classified as an ALE if it had at least 50 employees working full-time (including full-time equivalent employees) during the previous calendar year. Form 1094-C is submitted along with Form 1095-C and provides a summary of the employer’s information.

Form 1095-C can get challenging to complete because employers must record employee information, monthly coverage offers, employee contributions, affordability information, safe harbor codes, and, for self-insured ALEs, covered individuals’ information.

Employers filing 10 or more information returns in total are generally required to file electronically. Forms 1094-C and 1095-C should be filed using the AIR system of the IRS and not the FIRE or IRIS system.

A good 1095-C software solution should help the filer:

• Import payroll and benefits data
• Complete Lines 14, 15, and 16
• Validate employee and coverage information
• Generate Form 1094-C
• Submit returns through IRS AIR
• Get employee copies out the door
• Handle state ACA filings alongside the federal ones
• Fix and resubmit returns that come back rejected
• Keep filing records secure and easy to pull up later

Do this well, and you’ll spend less time on manual entry, catch missing data before the IRS does, and get through ACA reporting without the usual scramble.

How Different Employers Use 1095-C Software

Not every employer has the same constraints. What you should look for really depends on how large your workforce is, whether your plan is self-insured, and how tangled your filings get across entities and states.

Top 5 1095-C Software Platforms for 2026

1. 1099Online

1099Online runs entirely in the browser, so there’s no desktop install to deal with if you just want to eFile 1095-C and move on. You can enter records manually or upload them in bulk, and either way they go straight through IRS AIR from there.

Best for: Small and midsize employers that want affordable, easy-to-use 1095-C filing software.

Pros

• Uses the IRS AIR system to file Form 1095-C electronically.
• Imports several records using Excel or CSV.
• Records data on self-insured coverage, monthly coverage offers, and employee information.
• Provides PDF copies and optional print-and-mail delivery for employee statements.
• Lets you fix rejected filings and resubmit without an extra platform refiling fee.
• Runs on a simple workflow that suits employers whose payroll and benefits data is already filing-ready.

Cons

• You’ll need to know your correct Line 14, 15, and 16 values.
• The lowest advertised pricing and advanced integrations may depend on your filing volume and the services you select.

2. Tax1099

Tax1099 can serve as an all-in-one information return platform for employers managing more than ACA reporting. In addition to Forms 1094-C and 1095-C, it supports W-2, 1099, payroll, and other IRS form filings. It may be useful if you need to manage multiple year-end filings from the same login.

Best for: Employers with numerous entities or several year-end tax filings.

Pros

• Compliant with Forms 1094-C, 1095-C, 1094-B, and 1095-B.
• Bulk submission by using Excel and CSV files.
• Can handle both federal and state ACA submissions.
• Allows corrections and retransmissions of Forms 1095-B and 1095-C.
• Covers numerous other forms, so the ACA, W-2, and 1099 forms are under one system.

Cons

• More complex setup due to enterprise integration and high-volume workflow.
• Fees will vary based on form volume, employee delivery, state submission, and additional services.

3. TaxBandits

TaxBandits is a multi-mode application designed to handle multiple returns at once. The multi-business dashboard and bulk processing features of TaxBandits have found their customer base among accountancy firms, payroll vendors, and multiple employers doing ACA returns.

Best for: Employers who file ACA filings using several different EINs or company organizations.

Pros

• Form 1094-C, 1095-C, 1094-B, and 1095-B preparation.
• Bulk imports, validations, filing status tracking, and API.
• Handles federal and selected state filing, with online and postal employee delivery.

Cons

• The feature-rich setup can feel like a lot for a first-time or low-volume filer.
• Final pricing can increase if you add mailing, state filing, or other optional services.

4. ACAwise

ACAwise is a specialized tool built for employers who need more than a blank form to fill out. It uses your payroll and benefits information to generate the 1095-C codes.

Best for: Employers who want help generating Line 14 and Line 16 codes, or a managed ACA reporting service.

Pros

• Line 14 & Line 16 codes generation based on payroll and benefits data.
• Provides services for self-service and full-service ACA filings, with assistance for filing at the federal and state levels.

Cons

• Compliance assistance typically comes with higher pricing than eFiling software alone.
• Fees vary based on filing volume.

5. Yearli by Greatland

One login, three form types W-2, 1099, 1095 gets your filing task done instead of haing to bounce between separate tools every January. It may be a better fit when ACA reporting is part of a broader year-end filing workload rather than a standalone task.

Best for: Employers seeking a single workflow solution for W-2, 1099, and ACA forms.

Pros

• Form 1095-C submission, validation, filing, and corrections supported.
• W-2, 1099, and ACA form support in a single workflow.
• Guides employee delivery and ACA codes.

Cons

• Some features are available only on a higher-tier plan.
• Advanced automation can be limited for more complex employers.

How to Choose the Best 1095-C Software Platform in 2026

Five decent options are nice, but you still have to land on one. Run any ACA reporting software you’re considering through this checklist before you commit.

A. Confirm form support: It should handle Forms 1094-C and 1095-C for the correct tax year and follow current IRS requirements.

B. Review bulk uploads: Ensure availability of CSV/Excel file imports, field mapping, templating, and API integration for high volumes.

C. Check ACA code support: Determine if it either supports or generates the data required for Lines 14, 15, and 16.

D. Look for data validation: It should identify missing data, invalid TINs, duplicate data, partial codes, and incorrect amounts.

E. Confirm AIR filing: The software should submit returns through the IRS AIR system and track submissions as Accepted, Accepted with Errors, and Rejected.

F. Review employee delivery: Compare delivery methods such as PDF delivery, secure e-delivery, paper mailing, address verification, and delivery tracking.

G. Check state filing: Review support for your state’s ACA filing requirements, District of Columbia filing requirements, and any additional fees.

H. Compare corrections: It should ideally provide support for correcting employee data, ACA codes, coverage information, and rejected return resubmissions.

I. Consider security: Basic security requirements include encryption, MFA, user permissions, secure login, and audit logs.

J. Match your filing volume: Small employers may be fine with a basic cloud platform, but most larger ones may need APIs, multi-EIN controls, bulk processing, and approval workflows.

Conclusion

Good ACA software doesn’t eliminate the work, but it cuts out the parts that eat up time: chasing missing data, re-keying Lines 14 and 16 codes, and mailing employee copies one by one.

For a simple, affordable filing process, 1099Online is a strong pick, while Tax1099 may be a better fit for employers managing ACA, W-2, and 1099 filings in one place. The best 1095-C filing software for you comes down to filing volume, data readiness, state requirements, features, and total cost.