ACA Compliance,
start to finish.
ACAChamp tracks employee eligibility, prepares 1095-B and 1095-C forms, and transmits directly to the IRS — so your team isn't managing spreadsheets six weeks before the filing deadline.
The deadline doesn't move.
Your spreadsheets do.
Every year, Applicable Large Employers face the same bind: months of payroll data to aggregate, eligibility determinations to document, IRS forms to generate for every covered employee, and a transmission deadline that doesn't move.
Most HR teams handle this in spreadsheets stitched together from payroll exports and carrier files. When numbers don't match, someone spends days tracking down the source.
For a 200-person company, one filing error isn't a nuisance — it's a five-figure exposure.
The spreadsheet workflow,
replaced.
A structured, guided process from data import through IRS transmission — built around the actual mechanics of ACA compliance, not generic HR.
Track eligibility year-round.
The measurement dashboard visualizes each employee's Measurement, Administrative, and Stability Periods on a live timeline. ACAChamp calculates average monthly hours from your payroll imports and flags anyone approaching full-time status before they cross the 130-hour threshold.
Import your data. Resolve the discrepancies.
Upload payroll, carrier enrollment, and insurance offer files in CSV or Excel. The Data Exchange module identifies conflicts between your source systems and the database — duplicates, hours mismatches, coverage gaps, affordability variances — and presents them for resolution.
| Field | Imported | Current | |
|---|---|---|---|
| Hours · May 2026 | 152.4 | 148.0 | Resolve |
| Coverage start | 03/01 | 03/15 | |
| Employee share | $94.20 | $96.50 |
Generate 1095-B and 1095-C forms at scale.
ACAChamp generates IRS-compliant forms from data already in the system. Line 14 offer codes, Line 15 employee share amounts, and Line 16 safe-harbor codes are calculated from your eligibility and plan data — with override capability for exceptions.
| Employee | Form Type | Status | Actions |
|---|---|---|---|
| Alvarez, Miguel | 1095-C | Approved | |
| Bao, Karen | 1095-C | Ready for Review | |
| Carter, James | 1095-C | Needs Attention | |
| Diaz, Laura | 1095-C | Approved |
Transmit to the IRS, directly.
When forms are reviewed and approved, ACAChamp generates the XML package for the IRS AIR system and handles transmission. The 1094-B and 1094-C transmittal forms are included. Transmission status is tracked in the platform.
| Batch ID | Forms | Submitted | Status |
|---|---|---|---|
| 1095C-26-A47F9 | 284 | Apr 12, 2026 | Accepted |
| 1095C-26-A47F8 | 1 | Apr 10, 2026 | Accepted |
| 1095C-26-A47F7 | 1 | Apr 8, 2026 | Needs Correction |
Eight steps.
One filing calendar.
ACAChamp's workflow matches the actual ACA compliance calendar. Each step shows its completion status; admins can override the active step for out-of-order work or multi-year corrections.
Configure employer
Set up employer information and EIN.
Define medical plans
Plans, contribution groups, and offers.
Import data
Payroll, carrier, and offer files in.
Measurement Period
Configure the year-long evaluation window.
Review forms
Verify 1095-C or 1095-B for every employee.
Distribute forms
Download PDFs and deliver to employees.
Transmit to the IRS
XML package sent to IRS AIR with receipt.
Mark filing complete
Lock the tax year and archive the filing.
Four configurations.
Pick what you need.
ACAChamp scales from eligibility tracking only to full-service compliance, with a dedicated tier for 1095-B filers.
Tracking
For employers handling their own filing — but who want accurate eligibility data year-round.
Reporting
For employers with a separate eligibility process who need clean form output and direct IRS transmission.
Tracking + Reporting
The full platform — eligibility, forms, discrepancy resolution, and IRS transmission in one place.
1095-B Only
For insurance carriers and self-insured non-ALEs filing 1095-B rather than 1095-C.
Built for employers who can't afford a filing error.
Applicable Large Employers
50+ full-time equivalents required to file Form 1095-C annually.
Self-insured employers & carriers
Organizations filing Form 1095-B for self-funded health plans.
Educational institutions
Schools and universities with variable-hour faculty and staff.
HR & compliance teams
Benefits administrators responsible for ACA filing year-round.
Payroll service providers
Firms handling ACA compliance for a book of client employers.
Compliance consultants
Advisors managing multi-entity filings on behalf of clients.
Multi-entity organizations manage multiple employer records from a single account, with role-based access for consultants and internal staff.
Talk to salesEverything else you'd expect.
Reports built for ACA work
New Hire surfaces IMP end dates and initial status. Current Eligibility shows a real-time snapshot — measurement period, YTD hours, trending status, coverage enrollment. Payroll aggregates hours by employee, department, or period. All export to CSV.
File cabinet
Generated PDFs, import files, and upload history stored centrally — filter by employee, tax year, document type, or date. Batch download as ZIP. Archive and restore old files without permanent deletion.
Security & isolation
Authentication via Azure AD B2C. Sensitive identifiers protected with AES encryption. Data isolated by employer in a multi-tenant architecture with full audit logging on every change.
Walk through your filing scenario.
Schedule a demo and we'll cover your specifics — whether you're an ALE filing 1095-C for the first time or a service provider managing a client book.