Today is the ACA 1095 Recipient Copy Deadline–Ensure Your ACA Compliance Now with TaxBandits

reading time: 11 minute(s)

The clock is ticking! Today (March 3, 2025), marks the final day to distribute ACA recipient copies, and employers and health coverage providers must act fast to stay compliant. If you haven’t provided copies of Form 1095-B or Form 1095-C to your employees yet, now is the time to act.

This guide breaks down everything you need to know about the ACA 1095 deadline, who’s required to comply, and how TaxBandits makes last-minute distribution a breeze.

Who Needs to Meet This Deadline?

Employers, insurers, and service providers offering health coverage must distribute copies of the ACA forms today to comply with IRS regulations.

• Applicable Large Employers (ALEs): If your business has 50 or more full-time equivalent employees, you’re required to provide Form 1095-C to covered individuals, ensuring they receive their copies on time.
• Health Coverage Providers & Small Employers: If you offer self-funded health coverage, you must distribute Form 1095-B to all covered individuals.

What Happens If You Miss the Deadline?

Failing to furnish Form 1095-B or Form 1095-C on time can lead to severe penalties under IRC Sections 6721 and 6722:

• Failure to furnish recipient copies: A penalty of $330 per form, up to $3,987,000 per year may apply.
• Failure to file ACA forms with the IRS: A separate $330 per return penalty applies for late or incorrect filings, with a maximum penalty of $3,987,000 per year.

Need More Time? File for an Extension

If you’re unable to meet today’s recipient copy deadline, you may request a 30-day extension using Form 15397. This extends only the distribution deadline for employees and covered individuals.

If you also need to extend the IRS filing deadline, you must file Form 8809, which grants an automatic 30-day extension for submitting ACA forms to the IRS.

TaxBandits supports both extension requests, allowing you to manage compliance effectively—even under tight deadlines.

States With an ACA Deadline Today

In addition to the federal deadline, several states require ACA Form 1095 copies to be distributed to covered individuals by March 3, 2025:

• District of Columbia
• New Jersey
• Rhode Island

Employers and insurance providers in these states must meet both federal and state deadlines to avoid additional state penalties.

Need a Last-Minute Solution? TaxBandits Has You Covered

Don’t let the deadline pressure overwhelm you—TaxBandits makes ACA recipient copy distribution fast and hassle-free. Our trusted e-filing platform streamlines the process so businesses and tax professionals can meet their filing requirements with ease.

Simplify ACA Compliance with TaxBandits

Navigating ACA filing requirements doesn’t have to be overwhelming. TaxBandits offers a complete solution for federal and state ACA reporting, recipient copy distribution, corrections, extensions, and more—all in one platform.

• Federal & State ACA E-Filing: 
  E-file your Forms 1095-B and 1095-C directly with the IRS and state agencies. If you need to file only with a state, state-only filing is available.

• Recipient Copy Distribution – Online or Postal Mailing
  Ensure timely delivery of ACA forms to employees and covered individuals:

• Postal Mailing:
  We print and mail ACA forms directly to recipients.
• Secure Online Access:
  Employees can instantly view and download their ACA forms via a secure online portal. This is ideal for last-minute compliance.

• Quick & Easy ACA Corrections
  Need to make changes to filed ACA forms? Correct and redistribute Forms 1095-B, 1095-C, and 1094-C effortlessly through postal mailing or online access.

• AI-Powered Filing Assistance
  Meet BanditAI, your smart chatbot that provides quick answers and step-by-step guidance for ACA filing and compliance.

• World-Class Customer Support
  If you need any help, our expert support team is available via live chat, phone, and email to assist you at every step.

Act Now! Ensure Your ACA Compliance Before It’s Too Late

With the March 3, 2025, deadline here, there’s no room for delays. Simplify your ACA recipient copy distribution and compliance process with TaxBandits today.

Don’t wait—start filing now!