Client ACA workspace

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ACA reporting generator

Build your 1094-C & 1095-C, start to finish.

A guided, step-by-step workspace. Confirm whether you have to file, add your employees (upload a roster or type them in), elect the right Line 14 / 15 / 16 codes with plain-English help, then download your filled worksheets and a filing-ready export. Your data never leaves this browser.

Start the generator Just decode a code
1
Step 1
Do you file?
2
Step 2
Employer info
3
Step 3
Your employees
4
Step 4
Elect codes
5
Step 5
Review & generate

Step 1 — Are you required to file?

ACA employer reporting applies to Applicable Large Employers (ALEs): employers that averaged 50 or more full-time + full-time-equivalent employees in the prior calendar year. Enter last year's numbers to check.

Step 2 — Your organization

This fills the employer block (Part I) on every 1095-C and the 1094-C transmittal. It's saved only in this browser.

Step 3 — Add your employees

You need one 1095-C for every employee who was full-time in any month of the year (and, if self-insured, anyone enrolled). Upload a roster or add people manually.

Upload an employee roster (CSV)

Drag a file here or browse. Columns: First Name, Last Name, SSN, Street, City, State, ZIP, Start Month (1–12), End Month (1–12), Enrolled (Y/N).

Step 4 — Elect the codes

For each person set Line 14 (what you offered), Line 15 (lowest-cost self-only monthly premium — only when required), and Line 16 (safe harbor / why no penalty). We'll flag combinations that don't add up.

Step 5 — Review & generate

Give it a final look, then download. The worksheets mirror the 1095-C so you (or your filing vendor) can transcribe or e-file through the IRS AIR system.

Your progress saves automatically in this browser.

These worksheets are a draft aid generated from what you entered — not an official IRS filing and not e-filed. The IRS requires ALEs to e-file 1094-C/1095-C electronically at 10+ total returns through the AIR system. Have your filing vendor or advisor confirm every code before transmitting. Think Insurance Group assumes no liability for filings made in reliance on this material.

Interactive reference

Decode the 1095-C.

The two lines everyone second-guesses. Search a code or a situation to find the right one for Line 14 (what you offered) and Line 16 (why no penalty applies).

These are the IRS codes for the current forms. Line 14 describes the offer made for each month; Line 16 gives the applicable §4980H safe harbor or relief. Coding depends on your specific facts, see the IRS instructions linked below and confirm anything you're unsure about with your advisor.

Get it right

Where filings go wrong.

Line 14 / 16 mismatches, e.g. coding 1H (no offer) with 2C (enrolled). The pair has to tell a consistent story.
Missing full-time months, anyone FT in even one month needs a form; new hires and terminations get missed.
Wrong affordability safe harbor, W-2 (2F), rate of pay (2H), and FPL (2G) each have rules; don't switch mid-year for the same employee.
Forgetting state filings, CA, NJ, RI, DC, MA and others have their own individual-mandate reporting on top of federal.
Late or rejected e-files, AIR rejections need correcting and resubmitting; penalties accrue per form.
Line 15 left blank, required whenever you use codes 1B–1E or 1J–1U; it's the lowest-cost self-only premium.
Official sources

Forms & instructions.

This workspace is general information for Think Insurance Group clients and is not legal, tax, or accounting advice. ACA reporting requirements, codes, deadlines, safe harbors, and penalties change and depend on your specific facts. Code definitions here are summarized, always confirm against the current IRS instructions. Confirm your obligations with your tax advisor or legal counsel. Think Insurance Group assumes no liability for filings made in reliance on this material.