ACA Forms Preparation and Filing with Expert Support

ACA Essential is our entry-level compliance solution, offering everything you need to file 1094-C/1095-C forms and meet federal reporting requirements. ACA Complete goes further, providing ongoing monitoring, penalty risk assessments, and full audit defense — keeping you compliant every step of the way.

Yes. While many payroll providers only handle federal transmission, ACA essential includes a State Filing Module for jurisdictions with active reporting requirements:

• California, New Jersey, Rhode Island, and Washington D.C.: We convert your federal 1094-C/1095-C data into the specific flat-file or XML schemas required by each state’s revenue portal.

Why this matters: You cannot simply send your federal file to a state agency; it will be rejected. Each state has its own coding specifications and transmission protocols (e.g., MFT SecureTransport vs. FTB MEC IR).

How Trusaic Helps: We handle the complex data conversion for you. Our system ingests your federal data, reformats it for the specific state agency (CA, NJ, RI, or D.C.), and provides a secure, direct transmission — ensuring you receive a valid state filing receipt for your records.

ACA Essential is designed for organizations that are confident in their day-to-day compliance (tracking eligibility and affordability internally) but need a robust reporting engine to handle the technical requirements of year-end filing. It is ideal if you:

• Have no part-time or seasonal employees and a mostly salaried workforce of under 300 employees. Industries such as healthcare, retail and restaurants are particularly vulnerable and would be better suited using our ACA Complete service. 
• Have clean data and simply need to generate Forms 1095-C/1094-C.
• Need to file electronically with the IRS AIR system but lack the software to create the required XML files.
• Want to outsource the administrative burden of printing and mailing forms to employees.

How Trusaic Helps: Unlike do-it-yourself software that just prints what you type, ACA Essential includes a Penalty Risk Assessment. Before we transmit your file, a dedicated analyst reviews your data to catch logic errors (like mismatched codes) that could trigger a penalty, ensuring you cross the finish line with a “clean” submission.

Under the Affordable Care Act, your organization is classified as an Applicable Large Employer (ALE) if you averaged 50 or more full-time or full-time equivalent (FTE) employees during the prior calendar year. Once you reach this 50-employee threshold, the IRS legally mandates that you prove your compliance with the Employer Mandate through annual documentation.

As an ALE, your two primary regulatory responsibilities are:

• The Coverage Threshold: You must offer affordable Minimum Essential Coverage (MEC) that provides minimum value to at least 95% of your full-time staff.
• The Reporting Mandate: You must accurately generate, furnish, and file Forms 1094-C and 1095-C to detail those offers to the IRS and your workforce.

How Trusaic Helps: Crossing the 50-employee mark for the next calendar year increases your regulatory exposure. With our ACA Essential solution, we provide a secure, streamlined way to execute this annual reporting requirement. Rather than struggling with manual spreadsheets and complex IRS formatting, we ingest your raw payroll and benefits data, apply the correct coding logic, and manage the final transmission — ensuring your basic ALE obligations are met accurately and on time.

Yes, customers can utilize our 1095-C furnishing option or electronically distribute forms to employees, who can then access them from our platform. This ensures all your forms are distributed on-time and can be easily tracked for compliance purposes.