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ACA Reporting Requirements Frequently Asked Questions

ACA Reporting Requirements Frequently Asked Questions 2025

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The document outlines the reporting requirements under the Affordable Care Act (ACA) for employers, detailing the responsibilities of applicable large employers (ALEs) and other entities regarding health coverage information submission to the IRS. It explains the intent of ACA reporting, the forms required (Form 1094-C and Form 1095-C for ALEs, and Form 1095-B for non-ALEs), deadlines for submissions, and guidelines on how to report employee coverage status. The document also clarifies employer obligations concerning employees who decline coverage or are no longer employed, as well as procedures for designating a third-party service provider for reporting.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What are the ACA insurance requirements for employers?

Employers are required to offer coverage to at least 95% of full-time employees and dependents. Penalty amount: $2,570 per full-time employee minus the first 30.

What are ACA reporting requirements?

Reporting data: IRS and applicable states Each year, employers are required to file Form 1095-C with the IRS and provide a copy to all employees who were full-time or were enrolled in self-insured coverage for one or more months during the year.

What is a large employer ACA requirement?

Under the Shared Responsibility for Employers Regarding Health Coverage (PDF) final rule, applicable large employers (ALEs) - generally defined as employers with 50 or more full-time or full-time equivalent employees in the prior year - are required to offer to at least 95 percent of their full-time employees -

What is the penalty for the 2025 employer mandate?

The 2025 A Penalty decreases to $241.67/month ($2,900 annualized) multiplied by all full-time employees (reduced by the first 30).

What is the 3 month rule for ACA?

Under this rule, an employer will not be subject to Section 4980H(a) penalties if it fails to offer coverage to an otherwise eligible employee, for up to a period of three (3) months, as long as it offers the employee coverage by the first day of the fourth full calendar month of eligibility (which will generally be

What are the ACA employer coverage requirements?

Employers must offer health insurance that is affordable and provides minimum value to 95% of their full-time employees and their children up to the end of the month in which they turn age 26, or be subject to penalties. This is known as the employer mandate.

What is the 98% method of ACA?

98% Offer Method the employer can certify that the ALE Member offered affordable health coverage providing minimum value to at least 98% of its employees for whom it is filing a Form 1095-C and offered minimum essential coverage to those employees dependents.

How many employees are required for ACA compliance?

Our Team. Our ACA compliance company team includes over 1,280 employees located worldwide.

ACA Reporting Requirements Frequently Asked Questions 2025

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