Furnish 1095-C Forms with Confidence

Trusaic employs advanced technology and expertise to meticulously review your XML or CSV files for any inaccuracies or discrepancies. Our comprehensive penalty risk assessment process examines the data in your files to ensure compliance with IRS requirements. We utilize sophisticated algorithms and thorough validation checks to detect and rectify errors before proceeding with printing and mailing. By identifying and addressing potential issues upfront, we help minimize the risk of IRS penalties and ensure accurate reporting for your organization.

For the 2026 filing season, the federal deadline to furnish Form 1095-C is March 2 — but you are no longer required to automatically mail a form to every full-time employee. Thanks to the Paperwork Burden Reduction Act, you can now utilize the “Upon Request” method. 

By posting a clear and conspicuous notice on your company website, you only need to furnish a form if an employee specifically asks for one. If requested, your deadline to provide the form is January 31, or 30 days after the request.

However, managing this new flexibility requires distinguishing between federal and state requirements:

• The Federal Deadline: March 2, 2026 (applicable for active distribution) or 30 days after an employee request.
• State-Level Mandates: The federal “Upon Request” rule does not apply in states with their own individual mandates. If you have employees in states like California, New Jersey, or Rhode Island, you must still actively distribute their forms. California and Massachusetts also have a January 31 deadline.

How Trusaic Helps: Managing one-off employee requests and varying state deadlines creates a significant administrative burden. To eliminate this, we utilize a hybrid fulfillment model. We pair secure e-distribution for downloads with automated Print & Mail for state residents and individual requests, ensuring you meet every deadline without the manual tracking.

Yes, this software feature allows you to electronically furnish forms to employees who can then access them in our platform. This ensures all your forms are distributed on-time and can be easily tracked for compliance purposes.

Yes, employers can furnish Form 1095-C electronically, and recent laws have made this even easier. Under the Paperwork Burden Reduction Act, you now have two options to avoid mailing paper forms to every employee:

1. The Upon Request Method (New): You may post a “clear and conspicuous” notice on your website stating that forms are available upon request. If you do this, you are not required to automatically furnish forms to employees unless they ask for one.
2. The Electronic Consent Method: If you choose to actively distribute digital forms (e.g., via email notification), you must still obtain affirmative consent from the employee. You cannot simply email a PDF to their inbox without this prior agreement.

Critical Warning: The federal option does not apply to states with their own individual mandates (like California, New Jersey, and Rhode Island). For employees in these states, you must still actively furnish the form (via paper or consented email) to avoid state penalties.

How Trusaic Helps: Our platform manages this hybrid compliance automatically.

• For State Residents (CA/NJ/RI/DC): We automatically identify these employees and ensure they receive their forms actively (via e-Consent or mail) to satisfy stricter state laws.
• For Federal-Only Employees: We allow you to utilize the cost-saving Upon Request method, eliminating printing costs for the vast majority of your workforce while keeping you fully compliant.

To add the U.S. Mail Distribution service to your existing agreement, simply contact Trusaic and request the service. A separate amendment will be made to your agreement, detailing the terms of the service.

If you provide Trusaic with the necessary 1095-C data, we can assist you with our U.S. Mail Distribution service as a standalone offering. Simply reach out to us to discuss your needs and get started with the service.

The U.S. Mail Distribution service involves Trusaic mailing out Forms 1095-C to your applicable employees on your behalf. This add-on service is provided at an additional cost and is separate from the standard services outlined in your agreement with Trusaic.