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Overview

eFile Form 1095-C Online

eFile 1095-C with eFileMyForms for simplified healthcare coverage reporting.

What is Form 1095-C

Form 1095-C reports healthcare coverage of employees. Form 1095-C is filed by Applicable Large Employers (ALEs) with 50+ full-time employees. 

What is reported on Form 1095-C?

Form 1095-C reports healthcare coverage of employees by ALEs. This information is used by the IRS to verify health care coverage and compliance with the Affordable Care Act.

Form 1095-C includes information including: 

  • Employee and Employer names
  • Healthcare coverage offered
  • Months an individual was eligible for healthcare coverage
  • Cost of healthcare coverage
  • If healthcare coverage was not offered to an individual throughout the course of the year, the forms will indicate this. 

1095-C IRS Deadlines

The deadline for filing Form 1095-B with the IRS is typically March 1st or March 31st if filing electronically.

Recipient Copies: January 31st (February 2nd for 2026)

IRS Deadline: March 1st or March 31st (if filing electronically) 

Note: If a deadlines falls on a weekend, the due date will be the next business day. Exact deadlines for each year can be found on the IRS website

Understanding Form 1095-B Sections

Form 1095-B has four main parts

Part IEmployer & Employee Details 

  • Name and Address
  • Social Security Number or other TIN
  • Date of Birth

Part IICoverage Details

  • Types of coverage offered
  • ACA Codes
  • Cost of coverage

Part III  – Covered Individuals

Lists all individuals covered throughout the calendar year. 

How to File Form 1095-C Online with eFile My Forms

Filing your 1095-C Healthcare Coverage forms online is faster, more accurate, and more affordable than traditional paper filing. Our streamlined process takes just minutes:

Step 1: Gather Your Information

Complete the required details for you 1095-C forms including policy information and covered individuals.

Step 2: Enter or Import Your Data

Choose the method that works best for your business:

  • Manual entry: Perfect for businesses filing 1-10 forms
  • Excel/CSV upload: Bulk import for 10-100 forms using our template

Step 3: Review and Validate

Our system automatically checks for common errors including:

  • Missing or invalid TIN numbers
  • Incorrect name/TIN combinations
  • Address formatting issues
  • Missing required information

Step 4: Submit and Deliver

Once you approve your forms:

  • We e-file directly with the IRS (same business day for submissions before 5 PM ET)
  • Recipient copies are printed and mailed via USPS
  • You receive confirmation of IRS acceptance
  • All forms stored securely for 3+ years

Get Starting Filing Form 1095-B 

Frequently Asked Questions to IRS Form 1095-B 

Who has to file Form 1095-C?

Form 1095-C must be filed by employers classified as Applicable Large Employers (ALEs). In most cases, this includes organizations that employ 50 or more full-time employees or full-time equivalent workers.

The form is used to report whether qualifying health coverage was offered to eligible employees and allows the IRS to evaluate compliance with the Affordable Care Act (ACA) employer shared responsibility requirements.

 

Is electronic filing required for Form 1095-C?

Yes, if you are filing 10+ 1095-C forms with the IRS, you must file 1095-C electronically.

 

What codes do I need to file Form 1095-C?

Form 1095-C codes are standardized indicators used by employers to describe the health coverage offered to employees for Affordable Care Act (ACA) reporting. These codes help the IRS determine whether an employer satisfied its ACA obligations and whether an employee may be eligible for a Premium Tax Credit.

The most important codes appear on Line 14, which identifies the type of coverage offered, and Line 16, which explains whether certain affordability safe harbors, exemptions, or other relief apply. Together, these codes provide critical context about an employee’s coverage status and the employer’s compliance with ACA requirements

 

What is the difference between Form 1095-B and Form 1095-C?

Category

Form 1095-C

Form 1095-B

Who issues the form

Large employers classified as Applicable Large Employers (ALEs) with 50 or more full-time or full-time equivalent employees

Health coverage providers, including insurance carriers, smaller self-insured employers, and government programs such as Medicare, Medicaid, and CHIP

Primary purpose

Documents whether an employer offered health insurance to full-time employees in order to demonstrate compliance with the ACA employer mandate

Confirms that an individual had minimum essential health coverage during the year for tax reporting purposes

Who receives it

Employees who were considered full-time during the calendar year

Individuals who were enrolled in the health plan

What it reports

Details about coverage offers, employee eligibility, affordability, and coverage months

Months of coverage and identifying information for covered individuals

Who files with the IRS

The employer (ALE)

The health insurance provider or sponsoring organization

Common use case

Used by the IRS to assess employer shared responsibility penalties

Used to verify that individuals met ACA coverage requirements

Start Filing Your 1095-C Forms Online Today

Simplify healthcare coverage reporting. Start filing 1095-C forms today.