File 1095-C Online
Looking for an efficient way to file the form 1095-C online? IRS approved 1099ly allows you to eFile your 1095-C with security and ease, all online. IRS Form 1095-C is used for reporting information to the IRS and taxpayers about individuals not covered by the minimum essential healthcare coverage.
Why eFile 1095-C with 1099ly?
- Easy and Secure eFiling
- Quick and Accurate Reporting
- State Filing Compliance
- Supports Bulk eFiling
- USPS Address Validation
- Notice Management
What is IRS Form 1095-C?
1099ly offers Affordable Care Act Forms 1095-B and 1095-C, for reporting information to the IRS and taxpayers about individuals not covered by the minimum essential healthcare coverage. Use case: Any person who provides minimum essential healthcare coverage to an individual must file the individual's reporting.
Form 1095-C
The health care law defines that employers must offer health insurance to their workers. The law refers to them as "applicable large employers", or ALEs.
Every employee of an ALE is eligible for insurance coverage should receive a 1095-C. Eligible employees who decline to participate in their employer's health plan will still receive a 1095-C. The form identifies:
- The employee and the employer
- Which months during the year the employee was eligible for coverage and the cost of the cheapest monthly premium the employee could have paid under the plan
- If an ALE does not offer its employees insurance, the 1095-C will indicate that fact. ALEs that don't offer coverage may be subject to financial penalties.
When would you need to file a 1095-C?
Employers with 50 or more full-time employees (including full-time equivalent employees) in the previous year use Forms 1094-C and 1095-C to report the information required under sections 6055 and 6056 about offers of health coverage and enrollment in health coverage for their employees.
An ALE Member must file one or more Forms 1094-C (including a Form 1094-C designated as the Authoritative Transmittal, whether or not filing multiple Forms 1094-C), and must file a Form 1095-C for each employee who was a full-time employee of the ALE Member for any month of the calendar year. Generally, the ALE Member is required to furnish a copy of the Form 1095-C (or a substitute form) to the employee.
1095-C Decision Process
How many FTE (full-time equivalent, defined as working 30 or more hours per week) employees do you have?
Choose the timeframe to calculate full-time equivalency for your part-time employees.
Weekly
Total Full-Time Equivalent (FTE): 0
- Fully insured and less than 50 FTE - no reporting requirement
- Fully insured and 50 FTE or more - 1095-C (Parts 1 and 2 only)
- Self-insured and less than 50 FTE - 1095-B
- Self-insured and 50 FTE or more - 1095-C (all parts)
Disclaimer: This calculator is not intended as tax advice. Consult your HR Specialist to confirm the results.
1095-C Deadline and Important Dates
With 1099ly.com, we automatically schedule your IRS eFile transmission date for the eFile deadline. That allows you to make changes to forms after creating them for your employees and before sending them to the IRS, without the need to issue corrected forms - all at no additional cost for the eFile update. You may also change the scheduled date to occur earlier than the deadline if you prefer.
| Filing Type | Due Date |
|---|---|
| Recipient Copy | March 02, 2026 |
| IRS eFile | Tuesday - March 31, 2026 |
| IRS Paper Filing | Monday - March 02, 2026 |
1095-C Fee Calculator
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The CF/SF Combined Federal State Filing Program allows parts of your federal filing to be transmitted to the state at no extra charge. Non-participating states must receive a direct filing. Learn more about state filing here.
Resource Center
If you're looking for more information about the ACA regulations, reporting requirements, or IRS information on the ACA, please check the links below:
- If you are looking for details on 1095 reporting requirements:
- IRS ACA Tax Provisions
- What's Trending for ALEs
- IRS Info for Applicable Large Employers (ALEs)
- All about the Affordable Care Act:
- US Department of Health and Human Services
- Health Insurance Marketplace where those needing coverage can explore their options:
- Healthcare.gov
- Information for Medicaid participants:
- ACA and Medicaid