Quick Overview
- 1#1: ADP - Enterprise HR and payroll solution with robust ACA compliance tracking, 1094/1095 form generation, and employee eligibility monitoring.
- 2#2: UKG Pro - Workforce management platform excelling in time tracking and ACA measurement periods for full-time status determination and reporting.
- 3#3: Workday - Cloud-based HCM system providing advanced ACA compliance tools including coverage tracking, affordability calculations, and IRS filings.
- 4#4: Paychex - Payroll and HR software with automated ACA reporting, employee hour tracking, and Form 1095-C generation for compliance.
- 5#5: Paycor - All-in-one HR platform featuring ACA compliance dashboards, eligibility tracking, and seamless 1094/1095 e-filing.
- 6#6: Gusto - User-friendly payroll tool for small businesses with built-in ACA form preparation, employee tracking, and IRS transmission.
- 7#7: Rippling - Modern HRIS with automated ACA compliance workflows, benefits tracking, and real-time employee status monitoring.
- 8#8: BambooHR - HR management software offering ACA reporting modules for tracking coverage offers and generating required IRS forms.
- 9#9: TriNet Zenefits - Benefits and HR platform with ACA compliance features for employee enrollment tracking and 1095 form distribution.
- 10#10: Justworks - PEO service handling ACA compliance through payroll integration, health coverage tracking, and automated reporting.
We ranked these tools based on factors like compliance feature depth, usability, integration capabilities, and overall value, prioritizing software that balances strength with accessibility to meet diverse organizational needs.
Comparison Table
Aca Tracking Software streamlines compliance and benefits management, and this comparison table simplifies choosing the right tool. Featuring industry leaders like ADP, UKG Pro, Workday, Paychex, Paycor, and more, it breaks down key features, usability, and support to help readers find a fit for their organization's size and needs.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | ADP Enterprise HR and payroll solution with robust ACA compliance tracking, 1094/1095 form generation, and employee eligibility monitoring. | enterprise | 9.4/10 | 9.7/10 | 8.2/10 | 8.8/10 |
| 2 | UKG Pro Workforce management platform excelling in time tracking and ACA measurement periods for full-time status determination and reporting. | enterprise | 9.1/10 | 9.5/10 | 8.2/10 | 8.7/10 |
| 3 | Workday Cloud-based HCM system providing advanced ACA compliance tools including coverage tracking, affordability calculations, and IRS filings. | enterprise | 8.7/10 | 9.2/10 | 7.8/10 | 8.0/10 |
| 4 | Paychex Payroll and HR software with automated ACA reporting, employee hour tracking, and Form 1095-C generation for compliance. | enterprise | 8.7/10 | 9.2/10 | 8.0/10 | 8.3/10 |
| 5 | Paycor All-in-one HR platform featuring ACA compliance dashboards, eligibility tracking, and seamless 1094/1095 e-filing. | enterprise | 8.4/10 | 8.7/10 | 8.2/10 | 7.9/10 |
| 6 | Gusto User-friendly payroll tool for small businesses with built-in ACA form preparation, employee tracking, and IRS transmission. | enterprise | 8.2/10 | 8.0/10 | 9.1/10 | 7.6/10 |
| 7 | Rippling Modern HRIS with automated ACA compliance workflows, benefits tracking, and real-time employee status monitoring. | enterprise | 8.2/10 | 8.8/10 | 8.5/10 | 7.5/10 |
| 8 | BambooHR HR management software offering ACA reporting modules for tracking coverage offers and generating required IRS forms. | enterprise | 7.6/10 | 7.4/10 | 8.7/10 | 7.0/10 |
| 9 | TriNet Zenefits Benefits and HR platform with ACA compliance features for employee enrollment tracking and 1095 form distribution. | enterprise | 8.2/10 | 8.5/10 | 8.7/10 | 7.9/10 |
| 10 | Justworks PEO service handling ACA compliance through payroll integration, health coverage tracking, and automated reporting. | enterprise | 7.8/10 | 7.5/10 | 8.5/10 | 7.0/10 |
Enterprise HR and payroll solution with robust ACA compliance tracking, 1094/1095 form generation, and employee eligibility monitoring.
Workforce management platform excelling in time tracking and ACA measurement periods for full-time status determination and reporting.
Cloud-based HCM system providing advanced ACA compliance tools including coverage tracking, affordability calculations, and IRS filings.
Payroll and HR software with automated ACA reporting, employee hour tracking, and Form 1095-C generation for compliance.
All-in-one HR platform featuring ACA compliance dashboards, eligibility tracking, and seamless 1094/1095 e-filing.
User-friendly payroll tool for small businesses with built-in ACA form preparation, employee tracking, and IRS transmission.
Modern HRIS with automated ACA compliance workflows, benefits tracking, and real-time employee status monitoring.
HR management software offering ACA reporting modules for tracking coverage offers and generating required IRS forms.
Benefits and HR platform with ACA compliance features for employee enrollment tracking and 1095 form distribution.
PEO service handling ACA compliance through payroll integration, health coverage tracking, and automated reporting.
ADP
enterpriseEnterprise HR and payroll solution with robust ACA compliance tracking, 1094/1095 form generation, and employee eligibility monitoring.
Automated real-time ACA measurement engine that tracks hours-of-service and predicts compliance risks proactively
ADP is a comprehensive human capital management (HCM) platform that excels in ACA compliance tracking, automating employee hour monitoring, full-time status determination, and Form 1094/1095 reporting. It integrates seamlessly with payroll and benefits administration to ensure regulatory adherence under the Affordable Care Act. Designed for scalability, ADP's ACA tools provide real-time insights and audit-ready documentation to minimize penalties.
Pros
- Seamless integration with payroll and HR systems for automated ACA tracking
- Robust reporting tools including 1095 forms and eligibility audits
- Scalable for enterprises with advanced analytics and compliance guarantees
Cons
- High implementation costs and customization fees
- Steep learning curve for non-expert users
- Pricing lacks transparency and can be prohibitive for small businesses
Best For
Mid-to-large enterprises with complex payroll needs seeking enterprise-grade ACA compliance automation.
Pricing
Custom quote-based pricing; typically $10-25 per employee/month including ACA modules, with setup fees starting at $5,000+.
UKG Pro
enterpriseWorkforce management platform excelling in time tracking and ACA measurement periods for full-time status determination and reporting.
Automated ACA measurement and stability period tracking with built-in safe harbor calculations
UKG Pro is a comprehensive cloud-based HCM platform that excels in ACA tracking by automating employee eligibility determination, measurement periods, and administrative periods for compliance. It generates IRS Forms 1094-C and 1095-C with accuracy and supports affordability safe harbors and look-back methods. Integrated with payroll, benefits, and timekeeping, it provides real-time dashboards and audit-ready reporting to simplify Affordable Care Act obligations for organizations.
Pros
- Robust automation for ACA eligibility tracking and form generation
- Seamless integration with full HCM suite for holistic compliance
- Scalable for enterprises with advanced reporting and analytics
Cons
- Steep learning curve and complex setup for non-experts
- High implementation costs and time requirements
- Pricing may be prohibitive for small to mid-sized businesses
Best For
Mid-to-large enterprises seeking an integrated HCM solution with enterprise-grade ACA compliance tools.
Pricing
Custom quote-based pricing, typically $15-25 per employee per month for full HCM suite including ACA modules, with minimums for enterprise clients.
Workday
enterpriseCloud-based HCM system providing advanced ACA compliance tools including coverage tracking, affordability calculations, and IRS filings.
Real-time ACA eligibility engine with AI-driven insights and full audit trails for IRS compliance
Workday is a comprehensive cloud-based enterprise HCM platform that includes robust ACA tracking and compliance features within its Benefits Cloud module. It automates employee eligibility determinations for health coverage, generates IRS-required 1094-C and 1095-C forms, and provides real-time reporting and analytics for ACA mandates. Designed for large-scale organizations, it integrates ACA tracking seamlessly with broader HR, payroll, and finance functions to ensure full compliance.
Pros
- Seamless integration with full HCM suite for holistic compliance
- Advanced automation for ACA forms, eligibility, and IRS reporting
- Scalable for enterprises with complex, multi-state workforces
Cons
- High cost and lengthy implementation for smaller organizations
- Steep learning curve due to extensive feature set
- Overkill for businesses needing only ACA tracking without full HR overhaul
Best For
Large enterprises with 1,000+ employees seeking an integrated HCM platform with enterprise-grade ACA compliance.
Pricing
Custom enterprise pricing; typically $100-$250 per employee/year plus significant implementation fees starting at $100K+.
Paychex
enterprisePayroll and HR software with automated ACA reporting, employee hour tracking, and Form 1095-C generation for compliance.
Real-time ACA compliance dashboard with payroll-integrated eligibility tracking
Paychex is a comprehensive payroll and HR management platform that includes specialized ACA tracking tools for applicable large employers (ALEs). It automates employee eligibility tracking, hours monitoring, and affordability calculations to ensure compliance with Affordable Care Act requirements. The software generates IRS forms 1094-C and 1095-C, supports electronic filing, and integrates seamlessly with payroll data for accuracy and efficiency.
Pros
- Seamless integration with payroll and HR systems for accurate ACA data
- Automated form generation, validation, and e-filing capabilities
- Dedicated support from compliance experts
Cons
- Custom pricing can be expensive for small businesses
- Interface may feel complex for users new to enterprise software
- Limited standalone ACA tools without full payroll suite
Best For
Mid-sized to large employers needing integrated payroll, HR, and ACA compliance tracking.
Pricing
Quote-based pricing starting around $80/month base plus $4-6 per employee/pay period, depending on features and business size.
Paycor
enterpriseAll-in-one HR platform featuring ACA compliance dashboards, eligibility tracking, and seamless 1094/1095 e-filing.
Payroll-integrated ACA affordability calculator that dynamically assesses coverage offers using live wage data.
Paycor is a full-suite HCM platform with dedicated ACA compliance tools that automate tracking of employee eligibility, measurement and stability periods, and affordability calculations. It generates IRS Forms 1094-C and 1095-C, supports e-filing, and integrates seamlessly with payroll data to ensure accurate reporting. Designed for mid-to-large employers, it simplifies ACA mandate adherence within a broader HR ecosystem.
Pros
- Deep integration with payroll for real-time ACA data accuracy
- Automated form generation and IRS e-filing capabilities
- Scalable compliance tools for multi-state employers
Cons
- Pricing is opaque and quote-based, often higher for smaller firms
- ACA features are bundled in larger HCM suite, potentially overkill for ACA-only needs
- Steeper learning curve for non-HR users
Best For
Mid-sized to enterprise employers needing integrated HCM with reliable ACA tracking.
Pricing
Custom quote-based pricing; typically $99-$150 per employee/month depending on modules and company size.
Gusto
enterpriseUser-friendly payroll tool for small businesses with built-in ACA form preparation, employee tracking, and IRS transmission.
Payroll-integrated eligibility tracking that uses real-time employee data to automate ACA status updates and form accuracy
Gusto is an all-in-one payroll, HR, and benefits platform that includes ACA tracking features to help businesses comply with Affordable Care Act requirements. It automatically monitors employee hours, full-time status, and eligibility for health coverage using payroll data, generating necessary 1094-C and 1095-C forms. The software supports electronic filing with the IRS and provides reporting tools for audits and compliance checks.
Pros
- Seamless integration with payroll for accurate hour tracking and eligibility determination
- Automated generation and e-filing of ACA forms (1094-C/1095-C)
- User-friendly interface with strong customer support for compliance guidance
Cons
- ACA features require higher-tier plans (Plus or Premium), increasing overall cost
- Less specialized for complex, large-scale ACA needs compared to dedicated tools
- Limited advanced analytics or customization for intricate compliance scenarios
Best For
Small to medium-sized businesses already using Gusto for payroll who need straightforward ACA compliance without separate software.
Pricing
ACA reporting included in Plus plan ($80 base + $12/person/month) and Premium (custom pricing); requires full Gusto payroll subscription.
Rippling
enterpriseModern HRIS with automated ACA compliance workflows, benefits tracking, and real-time employee status monitoring.
Real-time employee data synchronization across HR, payroll, and compliance modules for precise ACA eligibility tracking
Rippling is an all-in-one workforce management platform that excels in HR, payroll, IT, and compliance, with dedicated ACA tracking features to monitor employee hours, determine full-time status, and ensure Affordable Care Act compliance. It automates eligibility calculations, generates IRS forms like 1094-C and 1095-C, and integrates seamlessly with payroll data for accuracy. While powerful for comprehensive needs, it's broader than pure ACA tools, making it suitable for businesses wanting unified operations.
Pros
- Seamless integration of ACA tracking with payroll and HRIS for real-time accuracy
- Automated form generation and e-filing for 1094/1095-C compliance
- Scalable for enterprises with advanced reporting and audit trails
Cons
- High cost may not justify for ACA-only use cases
- Steep learning curve for full platform features
- Pricing is custom and opaque without a demo
Best For
Mid-to-large businesses needing integrated HR/payroll with robust ACA compliance.
Pricing
Custom quotes starting at ~$8-11 per employee/month for core HR/payroll, plus add-ons for compliance.
BambooHR
enterpriseHR management software offering ACA reporting modules for tracking coverage offers and generating required IRS forms.
Automated IRS Form 1094-C and 1095-C generation with direct e-filing integration
BambooHR is a cloud-based HRIS platform that includes ACA compliance tools for tracking employee eligibility, monitoring measurement periods, and generating IRS Forms 1094-C and 1095-C. It integrates ACA tracking seamlessly with its core HR functions like employee data management, onboarding, and benefits administration. While effective for small to mid-sized businesses, it functions as part of a broader HR suite rather than a standalone ACA solution.
Pros
- Intuitive interface simplifies ACA eligibility tracking and reporting
- Seamless integration with employee database for accurate data pulls
- Automated form generation and e-filing capabilities save time
Cons
- Limited depth for complex, large-scale ACA compliance needs
- Full platform pricing may be overkill for ACA-only users
- Customization options for ACA reports are somewhat basic
Best For
Small to medium-sized businesses seeking an all-in-one HR platform with reliable ACA tracking capabilities.
Pricing
Custom pricing starting at approximately $6-12 per employee per month (billed annually); ACA features included in core plans.
TriNet Zenefits
enterpriseBenefits and HR platform with ACA compliance features for employee enrollment tracking and 1095 form distribution.
Full automation of ACA measurement periods and integrated 1095-C e-filing within the HR workflow
TriNet Zenefits is an all-in-one HR platform that provides comprehensive ACA tracking to help businesses monitor employee eligibility, measurement periods, and offers under the Affordable Care Act. It automates the generation of IRS Forms 1094-C and 1095-C, ensuring accurate compliance reporting and e-filing. Integrated with payroll and benefits administration, it streamlines ACA obligations within a broader HR ecosystem for mid-sized employers.
Pros
- Seamless integration of ACA tracking with payroll and benefits for end-to-end HR management
- Automated form generation and e-filing for 1094/1095 compliance
- User-friendly dashboard with real-time eligibility monitoring
Cons
- Higher pricing may not suit very small businesses compared to dedicated ACA tools
- Setup can be complex for organizations with unique compliance needs
- Customer support response times vary, especially during peak filing seasons
Best For
Mid-sized businesses seeking an integrated HR platform with reliable ACA compliance features.
Pricing
Core HR starts at $8 per employee/month, with ACA tracking included in Growth ($10+) or custom PEO plans; volume discounts for larger teams.
Justworks
enterprisePEO service handling ACA compliance through payroll integration, health coverage tracking, and automated reporting.
PEO co-employment model where Justworks assumes compliance liability and handles ACA filings directly
Justworks is a full-service PEO and HR platform that includes ACA tracking as part of its compliance suite, automating employee eligibility determinations, measurement periods, and IRS reporting. It generates Forms 1094-C and 1095-C, tracks offers of coverage, and integrates ACA data with payroll and benefits administration. While not a standalone ACA tool, it provides reliable compliance for businesses using its ecosystem.
Pros
- Seamless integration of ACA tracking with payroll and benefits
- Automated form generation and IRS e-filing
- Dedicated compliance support from PEO experts
Cons
- Higher per-employee pricing tied to full PEO services
- Co-employment model required for maximum ACA handling
- Less customizable for complex or standalone ACA needs
Best For
Small to mid-sized businesses seeking integrated HR with hands-off ACA compliance via a PEO.
Pricing
Starts at $109/month base fee + $59/active employee/month + $9/inactive for PEO plan including ACA tracking.
Conclusion
Across the reviewed ACA tracking tools, ADP leads as the top choice, boasting robust compliance features and streamlined form generation. UKG Pro and Workday follow strongly—UKG Pro excels in time tracking and measurement periods, while Workday impresses with advanced cloud-based tools for coverage and affordability. Each platform offers unique strengths, but ADP sets the standard for comprehensive ACA management.
Take the first step toward effortless ACA compliance: explore ADP to leverage its all-in-one capabilities and ensure your organization stays on top of regulatory requirements.
Tools Reviewed
All tools were independently evaluated for this comparison