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ACAwise

Public facts

Full-service 1094/1095-B/C e-filing

Full-service ACA reporting vendor for 1094/1095-B/C code generation, IRS and state e-file, and employee copy distribution.

Visit acawise.com

Overview

ACAwise sells end-to-end Affordable Care Act reporting under IRC §§ 6055 and 6056. The public site describes a three-stage process—preparation, processing, IRS e-filing—covering secure data intake (file upload, API, custom programming, or templates), validations (mandatory fields, IRS business rules, TIN matching, XML schema, USPS address), 1094/1095 generation including Line 14/16 codes, client review/approval, IRS transmission, state e-file, and employee copies by mail or secure portal. Two packages are listed: ACA Core (client supplies data with codes) and ACA Elite (client supplies raw census, enrollment, and payroll; ACAwise generates codes). Special cases named include COBRA, ICHRA, rehires, termination, and age bands.

Why it matters ACAwise is a specialist 1094/1095 service bureau with published Core vs Elite data-depth tiers and a relatively explicit state-mandate list.

Target buyer
ALEs, self-insured employers, HCM providers, unions, public entities, and white-label partners that want an outsourced 1094/1095 bureau rather than desktop software.
Pricing model
Quote-based (call for pricing)
The site lists (704) 954-8420 and “Call us for Pricing” / request-a-free-quote. No public per-form card.
Availability
National
Research
Last researched 2026-08-23
Agent-strong category

Key features

  • 1095 code generation and 1094/1095 form production
  • IRS e-file after client review and approval
  • State e-file for NJ, MA, CA, DC, RI, and Vermont (named); other states described as considering mandates
  • Employee copies via postal mail and secure portal, with USPS address validation
  • Corrections and 1094 amendments; support for three prior years
  • ACA Core vs ACA Elite packaging
  • White-label option (named in a healthcare-provider case story)
  • HIPAA-compliant hosting (vendor statement)

Integrations

  • File upload (ACAwise template or client template)
  • API
  • Custom programming
  • White-label for HCM/healthcare partners

Overview

ACAwise (acawise.com) markets a full-service ACA reporting solution: codes, forms, IRS and state e-file, and employee distribution. Data can be uploaded, sent via API, or handled with custom programming, and is stored on what the vendor calls a HIPAA-compliant server.

Validation steps listed: mandatory fields, IRS business rules, data-integrity checks, TIN matching, XML schema validation, and USPS address validation. Errors go back to the client on a correction template. After forms are generated, the client reviews downloadable forms and an Excel template, then approves e-file. ACAwise converts to the IRS format and reports filing status.

State e-file is listed for New Jersey, Massachusetts, California, District of Columbia, Rhode Island, and Vermont. The page says Connecticut, Hawaii, Maryland, Minnesota, and Washington were also considering individual mandates—treat that as dated marketing, not current law.

Packages:

  • ACA Core — client provides basic employee data with ACA codes; ACAwise validates, generates 1094/1095, reviews, IRS e-files. Optional: TIN/USPS, print/mail, state e-file.
  • ACA Elite — client provides raw census, enrollment, and payroll; ACAwise also generates codes.

Case stories mention a Midwest county with 20,000+ employees, an HCM provider with 100+ clients, a union with 12,000+ employees, and a white-label healthcare provider. Industries listed include insurance/benefits, real estate, counties/cities, nonprofits, financial institutions, logistics, education, and manufacturing.

Corrections: IRS-accepted-with-errors 1095s, 1094 amendments, and corrections for three prior years.

Key Capabilities

  • Code assignment (Elite) vs. code intake (Core).
  • Full IRS AIR-style e-file workflow (described as IRS-acceptable format).
  • Multi-state mandate filing as listed.
  • Mail + portal furnish with address validation.
  • Multi-year corrections.
  • API and white-label distribution.

Integrations & Ecosystem

Intake: templates, API, custom programming. Partner/white-label for HCM providers. Named payroll vendors are not listed.

Pricing

Call for quote. No public rates.

Notes & Limitations

  • “States considering mandates” copy may be stale.
  • Desktop DIY is not the model; this is a service plus software workflow.
  • “National” federal filing with listed state modules.

Sources

Tags: ACAwise · 1095-C · 1095-B · ACA e-file · state mandate · ICHRA