Simplify ACA. Strengthen compliance.

ACA administration covers the tracking, reporting, and filing employers must complete under the Affordable Care Act — including measuring employee hours, determining eligibility and affordability, generating 1095-C forms for employees, and filing 1094-C and 1095-C forms with the IRS. Most applicable large employers (ALEs) outsource ACA administration to reduce risk and free up HR time.

Applicable large employers (ALEs) — generally those with 50 or more full-time and full-time-equivalent employees — are required to offer minimum essential coverage to full-time employees and file annual 1094-C and 1095-C forms with the IRS. Some states (CA, DC, MA, NJ, RI) also require separate state-level coverage reporting.

ACA penalties can exceed $280 per form for late or incorrect filings, plus separate penalties under sections 4980H(a) and 4980H(b) for failing to offer affordable, minimum-value coverage to eligible employees. Penalties are indexed annually and can add up quickly across a large workforce.

 Comprehensive administration covers the full ACA process — measurement, eligibility tracking, affordability determinations, code generation, form fulfillment, and IRS filing. Reporting-only is for employers who handle eligibility tracking internally but want a partner to generate, print, mail, and e-file 1095-C and 1094-C forms.

WEX supports both the monthly measurement method and the lookback measurement method, and can run them simultaneously when an employer has different employee classifications that require different approaches.

Yes. WEX supports state coverage mandate filings for California, the District of Columbia, Massachusetts, New Jersey, and Rhode Island — so employers can manage federal and state ACA reporting through one partner.

WEX accepts files in multiple formats from different source systems — including payroll, HRIS, and benefits administration platforms — and aggregates the data on your behalf. Your IT team doesn’t program to WEX specs; WEX adapts to yours.

WEX’s comprehensive ACA administration includes IRS and Marketplace defense support. WEX-trained client managers help respond to notices and appeals, leveraging the participant data and codes archived in the system.