Simplify ACA reporting and compliance.
Effortlessly manage ACA compliance and reporting with Gusto’s powerful payroll and people platform. Simplify filings and help stay compliant with automated features that take the stress out of tax time.
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Unlimited 1095 filing
Gusto’s ACA software will help you prepare and file forms 1095-B and 1094-C, —no matter how many employees you have on the payroll.
Less risk, less worry
ACA compliance violations and missed deadlines can cost your business big time. Avoid risk, limit your liability, and breathe easy with built-in compliance.
Streamlined & simplified
1095 software is just the tip of the iceberg. Gusto’s powerful HR, payroll, and people platform can help your business handle everything from payroll taxes to PTO.
“I rated Gusto a 10 because it saves me valuable time and provides peace of mind, knowing that everything is handled efficiently and accurately. Gusto's platform streamlines payroll, benefits, and compliance, allowing me to focus on other aspects of my business confidently.”
Businesses save an average of 36 hours annually on Gusto benefits administration vs their previous broker.
ACA compliance software
Reduce your risk and subtract stress from the equation.
At $280 per 1095-C form, ACA compliance penalties can quickly turn from a minor nuisance to a major misstep. Luckily, Gusto can both generate and file ACA reports for any employees who qualify, based on how many employees you have and how many hours they work. Employees get the forms they need, and you can breathe a little easier knowing calculations are accurate and compliance is done right.
1095 C software
Year-end filing just got a whole lot easier.
Standalone ACA reporting software will cost you a pretty penny. But with a Gusto-brokered benefits plan, ACA reporting and filing comes included at no extra cost, along with everything you need to make year-end reporting a breeze. In addition to forms 1094-C, and 1095-C, we automatically generate and file 1099s, W-2s, and 941s—and we calculate, file, and pay all your federal, state, and local taxes every time you run payroll.
Learn more about benefits with Gusto
Fully Integrated
Benefits, compliance, payroll—and so much more.
Gusto is your one-stop shop for everything from simplifying compliance to boosting employee engagement. Our intuitive, user-friendly platform was designed to make your life easier, no matter what your business throws your way. With built-in hiring and onboarding, powerful time and attendance tools, and next-level team management, you can save both time and money while elevating your HR to enterprise level.
Check out our full list of features
Frequently Asked Questions
1095 forms are health insurance tax forms, kind of like a W-2 but for health coverage. The 1095-C is sent to employees who are offered health insurance by employers with 50 or more full-time equivalent (FTE) employees. Gusto helps prepare these forms for you, making distribution and IRS submissions a breeze.
Our ACA reporting software simplifies compliance by tracking employee payroll data and eligibility, generating 1095-C forms, and helping you stay on top of reporting deadlines. We handle the complex calculations so you can focus on your business.
Absolutely! Gusto generates the required 1094 and 1095 forms and sends them where they need to go. You'll get reminders for important deadlines along the way, helping you stay compliant without the extra workload.
Great question! Our ACA tracking software automatically tracks employee hours and status changes, like full-time to part-time shifts or new hires. This means any adjustments that affect ACA eligibility are updated in real-time, keeping your records accurate for reporting.
Third-party companies can charge as much as $5,000 to handle ACA compliance. But with a Gusto-brokered benefits plan, ACA reporting is included at no extra cost. If your business is using Gusto’s broker integration option, ACA filings cost $1,250 per entity.
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