ACA reporting deadline calculator: when are the 1095-C forms due?
Enter a tax year to get the IRS filing dates and the date to post the employee notice. Built for HR teams that file the 1094-C and 1095-C each winter and want the dates set before the work begins. Filed late? See ACA late filing penalty examples and IRS Letter 5699 past and future filings.
Find your 1094-C and 1095-C dates.
Set the tax year. The dates update as you type.
The calendar year the forms cover. The filings happen the next year.
Count 1095-C forms, W-2s and 1099s together to see whether e-filing is required.
Your reporting dates
A planning estimate, not legal advice. Dates move to the next business day when they fall on a weekend. Confirm them with your reporting vendor.
What has to be filed and when?
An applicable large employer files a 1094-C transmittal and a 1095-C for each full-time employee with the IRS each year, covering the prior calendar year. Paper filings are due by the end of February and electronic filings by the end of March. An employer that files 10 or more information returns of any kind, counting W-2s and 1099s, has to file electronically.
Do employees still get a form?
An employer may post a notice that employees can request a 1095-C instead of mailing one to everyone. The notice goes up by March 2 and stays up through October 15. A requested form goes out within 30 days of the request. Many employers still mail forms because it avoids the request process and the questions that come with it.
Common questions
Does this apply to us?
It applies to applicable large employers, which means 50 or more full-time employees including equivalents. Our 50-employee calculator shows where you stand.
What if the deadline falls on a weekend?
The date moves to the next business day. The calculator makes that adjustment for the IRS dates.
Can we get an extension?
The IRS allows an automatic 30-day extension for filing with a Form 8809, and a separate extension for furnishing forms in limited cases. Confirm the current rules with your vendor.
What happens if we file late?
The IRS can assess a penalty for each late or incorrect return. Our penalty pages show examples and how reasonable cause can reduce them.
Laws and rules referenced
26 U.S.C. §§ 6055 and 6056 — Information reporting of health coverage (Forms 1094-B/1095-B and 1094-C/1095-C).
26 U.S.C. §§ 6721 and 6722 — Penalties for failing to file or furnish information returns.
IRS Notice 2025-15 — Alternative way to furnish Forms 1095-B and 1095-C by posting a notice on a website.
This tool gives estimates for education, not tax or legal advice. Rules change, so confirm your situation with a qualified advisor.
Talk to us about ACA reporting
Book a 30-minute call and we will check who files, what data they need and when it is due. Visit us at 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, or call 248.370.8853.
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