# Form 1095-C Filing Guide | March 2, 2026 Deadlines
<p><strong>Form 1095-C is the IRS form employers use to report employee health coverage offers, documenting whether the coverage meets ACA standards and eligibility. Call [phone] for expert help.</strong></p>
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<p>Filing Form 1095-C may feel confusing at first, but it is actually straightforward once you understand its purpose. This form communicates to the IRS that your business offered health insurance to eligible full-time employees throughout the year.</p>
<p>Submitting accurate 1095-C forms helps employees claim premium tax credits and ensures your company stays compliant with ACA reporting requirements. Partnering with experts, like <strong>BooksMerge</strong>, makes filing stress-free and precise. Contact <strong>[phone]</strong> for guidance and support.</p>
<h2><strong>Introduction to Form 1095-C</strong></h2>
<p>Form 1095-C, known as &ldquo;Employer-Provided Health Insurance Offer and Coverage,&rdquo; is required under the Affordable Care Act (ACA) for Applicable Large Employers (ALEs). This form shows which employees were offered coverage, the type of coverage, and whether it met ACA standards.</p>
<p>The IRS uses Form 1095-C to track employer compliance with health insurance requirements. Employees use this form to confirm coverage and claim premium tax credits if they qualify. Accurate filing reduces mistakes, confusion, and potential penalties.</p>
<h2 id="who"><strong>Who Must File?</strong></h2>
<p>Only <strong>Applicable Large Employers (ALEs)</strong> must file Form 1095-C. ALEs are defined as businesses with 50 or more full-time or full-time equivalent employees. If your company qualifies, you must submit 1095-C forms for each full-time employee.&nbsp;</p>
<p>Small businesses with fewer than 50 full-time employees typically do not need to file this form, unless they sponsor self-insured plans, in which case reporting may still be required.</p>
<h2 id="how"><strong>How It Works</strong></h2>
<p>Form 1095-C details the months coverage was offered, whether the employee enrolled, and the cost of the lowest-cost coverage available. Employers send the form to employees and the IRS, while the IRS uses the information to verify compliance and eligibility for premium tax credits.</p>
<p>Think of Form 1095-C as both a summary and verification tool. It allows the IRS to ensure employers meet ACA requirements while giving employees the documentation they need for taxes.</p>
<h2 id="key-details"><strong>Key Details on Form 1095-C</strong></h2>
<ul>
<li>Employee information including name, SSN, and address</li>
<li>Employer details including name, EIN, and contact information</li>
<li>Coverage offered and the months it was available</li>
<li>Employee enrollment status</li>
<li>Certification that coverage meets ACA standards</li>
</ul>
<p>Ensuring these details are accurate is critical to avoid IRS penalties. Discrepancies between employer records and employee reports may trigger reviews.</p>
<h2 id="deadline"><strong>Filing Deadlines</strong></h2>
<p>Paper filing deadlines are typically February 28 of the year following the reporting year. For electronic filing, the deadline extends to March 31. Preparing early ensures compliance and reduces stress.&nbsp;</p>
<h2 id="importance"><strong>Why Accurate Filing Matters</strong></h2>
<p>Correct Form 1095-C filing protects your business from penalties and helps employees receive the correct tax credits. It also strengthens your business&rsquo;s trustworthiness and credibility with the IRS.</p>
<p>Errors or late filings can lead to fines and administrative headaches. Accurate and timely submissions demonstrate compliance, professionalism, and care for your employees&rsquo; financial well-being.</p>
<h2 id="tips"><strong>Helpful Tips for Filing</strong></h2>
<ul>
<li>Collect employee health coverage data early to prevent last-minute issues.</li>
<li>Double-check names, SSNs, and coverage details for accuracy.</li>
<li>Use professional services like <strong>BooksMerge</strong> for review and filing. Call <strong>[phone]</strong> for expert assistance.</li>
<li>Retain copies of all forms for at least three years in case of audit.</li>
</ul>
<h2 id="conclusion"><strong>Conclusion</strong></h2>
<p>Form 1095-C is essential for ACA compliance, showing employees and the IRS that your business offered health coverage appropriately. Timely and accurate filing avoids penalties and keeps employee records in order. For expert assistance, contact <strong>BooksMerge</strong> at <strong>[phone]</strong>.</p>
<h2 id="faqs"><strong>Frequently Asked Questions</strong></h2>
<h4>1. Who must file Form 1095-C?</h4>
<p>Applicable Large Employers with 50 or more full-time employees must file Form 1095-C. <a href="https://www.irs.gov/instructions/i109495c" target="_blank">IRS Instructions</a></p>
<h4>2. Do employees receive Form 1095-C?</h4>
<p>Yes, each eligible employee receives their own Form 1095-C for tax filing purposes.</p>
<h4>3. What happens if the form is filed late?</h4>
<p>Late filings may result in penalties. Using early preparation and professional support, like BooksMerge at <strong>[phone]</strong>, can prevent this.</p>
<h4>4. Can this form be filed electronically?</h4>
<p>Yes. Employers filing 10 or more returns must submit electronically, which extends the deadline to March 31. <a href="https://www.irs.gov/forms-pubs/about-form-1095-c" target="_blank">Source: IRS Form 1095-C Overview</a></p>
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