Top 10 Best 1095 B Software of 2026

Express1095 is a specialized cloud-based platform for generating, validating, and e-filing IRS Form 1095-B to report minimum essential health coverage under the ACA. It supports easy data import from Excel, CSV, or QuickBooks, automatic error checking against IRS schemas, and direct electronic submission to the IRS with transmission reports. Users can also generate recipient copies for printing or secure online access, making ACA compliance straightforward for employers and insurers.

TaxBandits is an IRS-authorized e-filing platform specializing in ACA compliance forms, including 1095-B for reporting minimum essential health coverage provided to employees and individuals. It streamlines form generation through bulk CSV uploads, XML imports, or manual entry, with direct transmission to the IRS and over 45 states. Users benefit from recipient self-service portals, optional postal mailing, and robust error-checking tools to ensure accurate filings and minimize rejections.

ACAwise is a cloud-based ACA compliance platform specializing in IRS Forms 1094 and 1095 reporting, with strong support for 1095-B forms used by insurers to report health coverage. It enables users to import data from carriers or spreadsheets, perform validations, generate forms, and e-file directly with the IRS and states. The software also facilitates recipient copy distribution through print/mail services or secure online portals, streamlining end-to-end ACA compliance.

Gusto is an all-in-one payroll, HR, and benefits platform that supports 1095-B form generation for small businesses providing health insurance coverage. It automates ACA reporting by pulling data from integrated payroll and benefits administration, ensuring compliance with IRS requirements for reporting minimum essential coverage. While not a standalone 1095-B tool, it excels in seamless integration for employers already using Gusto's ecosystem.

ADP's 1095-B software is integrated within its broader ACA compliance suite, enabling employers to generate, validate, and e-file IRS Form 1095-B for reporting minimum essential health coverage. It automates data collection from ADP's payroll and HR platforms, reducing manual entry errors and ensuring regulatory accuracy. The solution supports both self-insured and fully insured plans, with features for employee distribution via mail or portal.

Paychex is a full-service payroll and HR platform that includes ACA compliance tools for generating and filing IRS Form 1095-B, used by small employers and insurers to report health coverage provided to individuals. It automates data aggregation from payroll records, performs error checks, and supports electronic filing directly to the IRS. The solution is tightly integrated with Paychex's broader ecosystem, making it efficient for existing customers but less flexible as a standalone 1095-B tool.

TriNet Zenefits is a comprehensive cloud-based HR platform that handles payroll, benefits administration, and compliance reporting, including ACA forms. As a 1095-B software solution, it enables employers and benefits administrators to generate, validate, and e-file Form 1095-B reports for health coverage attestations. It integrates with insurance carriers to automate data collection and ensure IRS-compliant filings, reducing manual errors.

Patriot Software offers comprehensive payroll and HR solutions with built-in ACA compliance tools, including automated generation of IRS Form 1095-B for reporting minimum essential health coverage provided by small employers or sponsors. The platform pulls data directly from payroll records to populate forms accurately, supports e-filing with the IRS, and provides employee copies via secure portal. It streamlines year-end reporting for businesses not classified as Applicable Large Employers (ALEs).

OnPay is a full-service payroll and HR software platform that includes ACA compliance features, supporting the generation and e-filing of IRS Forms 1094-C and 1095-C, with limited applicability to 1095-B for small employers reporting minimum essential coverage. It automates data collection from payroll records to populate health coverage details, reducing manual errors for businesses handling both payroll and compliance. While not a standalone 1095-B specialist, its integration makes it viable for integrated workflows.

BambooHR is a comprehensive cloud-based HR management platform that includes ACA compliance reporting tools, primarily focused on 1094-C and 1095-C forms but with customizable reports and data exports that can support 1095-B requirements for smaller employers tracking minimum essential coverage. It centralizes employee health insurance data, onboarding, and benefits administration to facilitate accurate tax reporting. While not a dedicated 1095-B solution, its HRIS foundation enables indirect handling through integrations and manual exports.