{"id":2418,"date":"2026-07-24T13:57:22","date_gmt":"2026-07-24T13:57:22","guid":{"rendered":"https:\/\/www.1099online.com\/blog\/?p=2418"},"modified":"2026-07-24T13:57:22","modified_gmt":"2026-07-24T13:57:22","slug":"best-1095-c-software","status":"publish","type":"post","link":"https:\/\/www.1099online.com\/blog\/best-1095-c-software\/","title":{"rendered":"Top 5 1095-C Software for ACA Reporting in 2026"},"content":{"rendered":"<p>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&#8217;s information.<\/p>\n<p>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&#8217; information.<\/p>\n<p>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.<\/p>\n<p><strong>A good 1095-C software solution should help the filer:<\/strong><\/p>\n<ul>\n<li>Import payroll and benefits data<\/li>\n<li>Complete Lines 14, 15, and 16<\/li>\n<li>Validate employee and coverage information<\/li>\n<li>Generate Form 1094-C<\/li>\n<li>Submit returns through IRS AIR<\/li>\n<li>Get employee copies out the door<\/li>\n<li>Handle state ACA filings alongside the federal ones<\/li>\n<li>Fix and resubmit returns that come back rejected<\/li>\n<li>Keep filing records secure and easy to pull up later<\/li>\n<\/ul>\n<p>Do this well, and you&#8217;ll spend less time on manual entry, catch missing data before the IRS does, and get through ACA reporting without the usual scramble.<\/p>\n<h2>How Different Employers Use 1095-C Software<\/h2>\n<p>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.<\/p>\n<table>\n<thead>\n<tr>\n<th>Employer type<\/th>\n<th>Common reporting needs<\/th>\n<th>Useful software features<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Applicable Large Employers<\/td>\n<td>Reporting coverage offers for full-time employees<\/td>\n<td>Form preparation, ACA code support, and AIR filing<\/td>\n<\/tr>\n<tr>\n<td>Self-insured ALEs<\/td>\n<td>Reporting enrolled employees and covered family members<\/td>\n<td>Part III support, dependent data imports<\/td>\n<\/tr>\n<tr>\n<td>Multi-entity employers<\/td>\n<td>Managing forms across several EINs<\/td>\n<td>Multi-EIN dashboards, user permissions<\/td>\n<\/tr>\n<tr>\n<td>High-volume employers<\/td>\n<td>Processing large employee files<\/td>\n<td>Bulk imports, APIs, validation, batch corrections<\/td>\n<\/tr>\n<tr>\n<td>Employers with state obligations<\/td>\n<td>Meeting federal and separate state requirements<\/td>\n<td>Federal and state filing from one platform<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Top 5 1095-C Software Platforms for 2026<\/h2>\n<h2>1. 1099Online<\/h2>\n<p>1099Online runs entirely in the browser, so there&#8217;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.<\/p>\n<p><strong>Best for:<\/strong> Small and midsize employers that want affordable, easy-to-use 1095-C filing software.<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>Uses the IRS AIR system to file Form 1095-C electronically.<\/li>\n<li>Imports several records using Excel or CSV.<\/li>\n<li>Records data on self-insured coverage, monthly coverage offers, and employee information.<\/li>\n<li>Provides PDF copies and optional print-and-mail delivery for employee statements.<\/li>\n<li>Lets you fix rejected filings and resubmit without an extra platform refiling fee.<\/li>\n<li>Runs on a simple workflow that suits employers whose payroll and benefits data is already filing-ready.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>You&#8217;ll need to know your correct Line 14, 15, and 16 values.<\/li>\n<li>The lowest advertised pricing and advanced integrations may depend on your filing volume and the services you select.<\/li>\n<\/ul>\n<h2>2. Tax1099<\/h2>\n<p>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.<\/p>\n<p><strong>Best for:<\/strong> Employers with numerous entities or several year-end tax filings.<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>Compliant with Forms 1094-C, 1095-C, 1094-B, and 1095-B.<\/li>\n<li>Bulk submission by using Excel and CSV files.<\/li>\n<li>Can handle both federal and state ACA submissions.<\/li>\n<li>Allows corrections and retransmissions of Forms 1095-B and 1095-C.<\/li>\n<li>Covers numerous other forms, so the ACA, W-2, and 1099 forms are under one system.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>More complex setup due to enterprise integration and high-volume workflow.<\/li>\n<li>Fees will vary based on form volume, employee delivery, state submission, and additional services.<\/li>\n<\/ul>\n<h2>3. TaxBandits<\/h2>\n<p>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.<\/p>\n<p><strong>Best for:<\/strong> Employers who file ACA filings using several different EINs or company organizations.<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>Form 1094-C, 1095-C, 1094-B, and 1095-B preparation.<\/li>\n<li>Bulk imports, validations, filing status tracking, and API.<\/li>\n<li>Handles federal and selected state filing, with online and postal employee delivery.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>The feature-rich setup can feel like a lot for a first-time or low-volume filer.<\/li>\n<li>Final pricing can increase if you add mailing, state filing, or other optional services.<\/li>\n<\/ul>\n<h2>4. ACAwise<\/h2>\n<p>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.<\/p>\n<p><strong>Best for:<\/strong> Employers who want help generating Line 14 and Line 16 codes, or a managed ACA reporting service.<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>Line 14 &amp; Line 16 codes generation based on payroll and benefits data.<\/li>\n<li>Provides services for self-service and full-service ACA filings, with assistance for filing at the federal and state levels.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>Compliance assistance typically comes with higher pricing than eFiling software alone.<\/li>\n<li>Fees vary based on filing volume.<\/li>\n<\/ul>\n<h2>5. Yearli by Greatland<\/h2>\n<p>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.<\/p>\n<p><strong>Best for:<\/strong> Employers seeking a single workflow solution for W-2, 1099, and ACA forms.<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>Form 1095-C submission, validation, filing, and corrections supported.<\/li>\n<li>W-2, 1099, and ACA form support in a single workflow.<\/li>\n<li>Guides employee delivery and ACA codes.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>Some features are available only on a higher-tier plan.<\/li>\n<li>Advanced automation can be limited for more complex employers.<\/li>\n<\/ul>\n<h2>How to Choose the Best 1095-C Software Platform in 2026<\/h2>\n<p>Five decent options are nice, but you still have to land on one. Run any ACA reporting software you&#8217;re considering through this checklist before you commit.<\/p>\n<p><strong>A. Confirm form support:<\/strong> It should handle Forms 1094-C and 1095-C for the correct tax year and follow current IRS requirements.<\/p>\n<p><strong>B. Review bulk uploads:<\/strong> Ensure availability of CSV\/Excel file imports, field mapping, templating, and API integration for high volumes.<\/p>\n<p><strong>C. Check ACA code support:<\/strong> Determine if it either supports or generates the data required for Lines 14, 15, and 16.<\/p>\n<p><strong>D. Look for data validation:<\/strong> It should identify missing data, invalid TINs, duplicate data, partial codes, and incorrect amounts.<\/p>\n<p><strong>E. Confirm AIR filing:<\/strong> The software should submit returns through the IRS AIR system and track submissions as Accepted, Accepted with Errors, and Rejected.<\/p>\n<p><strong>F. Review employee delivery:<\/strong> Compare delivery methods such as PDF delivery, secure e-delivery, paper mailing, address verification, and delivery tracking.<\/p>\n<p><strong>G. Check state filing:<\/strong> Review support for your state\u2019s ACA filing requirements, District of Columbia filing requirements, and any additional fees.<\/p>\n<p><strong>H. Compare corrections:<\/strong> It should ideally provide support for correcting employee data, ACA codes, coverage information, and rejected return resubmissions.<\/p>\n<p><strong>I. Consider security:<\/strong> Basic security requirements include encryption, MFA, user permissions, secure login, and audit logs.<\/p>\n<p><strong>J. Match your filing volume:<\/strong> 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.<\/p>\n<h2>Conclusion<\/h2>\n<p>Good ACA software doesn&#8217;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.<\/p>\n<p>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.<\/p>\n<div class=\" box-css sub-sec\">\n<p>Ready to simplify ACA reporting? You can prepare, eFile, and distribute Form 1095-C securely, all from one easy-to-use online platform.<\/p>\n<p><a class=\"btn rounded-btn\" href=\"Tax1099 - IRS Authorized, #1 eFile Platform for All Businesses\" target=\"_blank\" rel=\"noopener\">Explore 1099Online<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2420,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-2418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1095-c"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 1095-C Software for ACA Reporting in 2026<\/title>\n<meta name=\"description\" content=\"Compare the best 1095-C software for employers, including IRS AIR filing, bulk uploads, ACA code support, employee copy delivery, corrections, and state reporting.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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