Updated September 15, 2020

Despite the 2018 Texas ruling declaring the Affordable Care Act (ACA) unconstitutional, the health law remains in force for US employers. So be sure to:

  • File all related IRS forms for 2020 now
  • Keep tracking employee eligibility and affordability around health care benefits for 2021

What do you need to do during the Affordable Care Act filing season?

Follow these four steps:

STEP 1: Organize your ACA filing data

❏ Make sure to store your 2019 ACA filing data before starting on 2020 so that you have it somewhere in case of an IRS audit at a later time. Some services – such as Integrity Data’s ACA Full Service Reporting – have a data retention package you can download.

❏ Gather your 2020 ACA filing data – if you’ve been keeping up with the aca reporting requirements all year long – great! If not, this step will take more time…

  • You’ll need to prove employee eligibility (or not) for healthcare benefits (make sure you use a consistent measurement method) AND you’ll need to prove affordability based on your least cost health care plan. Confused? Check out our ACA educational resources to get up to speed.
  • If you are using the Integrity Data ACA Compliance Solution, please review this KB article to see what exactly you need to do.

Could you be penalized?


STEP 2: Use this data to populate your 1095-C

❏ The ACA reporting requirements are burdensome. Getting your 1095-Cs right can be stressful. Integrity Data’s Compliance team, in the trenches since 2012, has put together this primer to help you ensure you have accurate 1095-C forms for your ACA filing.


STEP 3: Check your 1095-Cs twice – to avoid any common errors

❏ There’s so much to do during ACA filing season, and keeping up with the reporting requirements can be difficult at times. Sometimes all it takes is a “stupid mistake” to trigger an IRS penalty letter – here are some common mistakes. Click ► to watch


STEP 4: Send out your forms

❏ 1095-C forms must be sent to employees to by January 31

❏ Copies of all 1095-C and 1094-C information returns must be sent to the IRS by:

  • February 28 if paper filing
  • March 31 if electronically filing – this is easiest AND required by the mandate if you have over 250 1095-C forms

Note: These dates may change each year depending on if they fall on a weekend, or if there is an IRS extension. 
See ACA Deadlines below for current year dates.

Still confused? Need urgent help? We’ve got the answers and the services you need before, during and after ACA filing season – let’s have a conversation.