Avoiding Common Mistakes When Filing ACA Form 1095-B: A Checklist for Success

Tax form completion is seldom an easy task, with the Affordable Care Act (ACA) Form 1095-B being no different. This form is essential as it reports specific health insurance coverage details for both individuals and entities. However, it is fraught with potential errors that could lead to penalties.

Hence, we have created this handy guide – a list to steer you clear of the usual errors when completing ACA Form 1095-B. By adhering to these steps, you can traverse the procedure more efficiently and make certain you’re fulfilling the ACA’s mandates.

1. Double-Check the Covered Individuals’ Information

A common error that occurs while completing the ACA Form 1095-B is the provision of inaccurate or incomplete details about the insured individuals. Make sure to thoroughly check Social Security Numbers (SSNs), Taxpayer Identification Numbers (TINs), and dates of birth. Errors in these fields could lead to trouble with the IRS.

2. Verify Coverage Dates

Part III of the form requires you to provide the months of coverage for the individual. Oftentimes, filers accidentally provide incorrect dates or fail to indicate the months of coverage accurately. Make sure to carefully verify this information against your records before submission.

3. Don’t Ignore Electronic Filing

If you’re filing for more than 250 individuals, the IRS mandates electronic filing. Overlooking this requirement can result in non-compliance penalties. Even if you’re filing for fewer than 250, consider electronic filing to make the process more efficient and reduce the chance of errors.

4. Keep Up-to-Date with Changes in Legislation

The ACA’s requirements are subject to change. It’s important to stay current with any new legislation or adjustments to the ACA’s provisions. Regularly check the IRS website or subscribe to professional tax newsletters to ensure you’re aware of any changes that could impact your 1095-B filing.

5. File On Time

This might seem obvious, but it’s a point that bears repeating: timely filing is crucial. Typically, forms must be sent to individuals by January 31 and filed with the IRS by February 28 (or March 31 if filing electronically). Late filings can result in penalties, so be sure to mark these deadlines on your calendar.

6. Maintain Proper Documentation

Filing the Form 1095-B isn’t the end of your responsibilities. The IRS mandates the preservation of records relating to the form’s provided information for a minimum of three years. This record-keeping can prove to be extremely beneficial should there be any queries or if a need arises to modify your submission.

7. Seek Professional Assistance

If any piece of the Form 1095-B puzzles you, just remember you’re not alone in this. Reach out to a tax professional. These folks are there to help, ready to break down the confusion, hand out advice, and make sure all your forms are filled out just right.


Filing ACA Form 1095-B can seem daunting, but it doesn’t have to be. By adhering to this list, maintaining organization, and reviewing your work thoroughly, you can dodge usual missteps and make certain your filing is executed successfully. Keep in mind, meticulousness and dedication are highly valuable when dealing with tax matters.

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