Affordable Care Act

Accurate 1095-C forms start with clean data — long before January.

This is the resource center for Time & Pay clients. Learn what the ACA asks of your business, see exactly what we need from you, and submit your information through the client portal.

Open the client portal Start with the basics

Four things to get right

Most ACA penalty notices trace back to one of these areas. Work through them in order.

Know if the rules apply to you

Employer reporting duties hinge on whether you averaged 50 or more full-time equivalent employees last year.

ACA basics

Measure full-time status correctly

30 hours a week or 130 hours a month makes an employee full-time. Variable-hour staff need a measurement period.

How hours are counted

Get the 1095-C codes right

Lines 14, 15 and 16 tell the IRS what you offered, what it cost, and why relief applies. Wrong codes drive penalty notices.

1095-C reporting

Clean your data before year end

Termination dates, pay types and full-time/part-time flags need to be accurate before forms are produced.

Year-end checklist

The client portal

We give you an access code. You use it once to create your profile, then you can sign in any time to complete your ACA Reporting Information Forms — coverage offered, self-only premiums, eligibility and probationary rules, coverage begin and end dates, and (for first-time filings) your measurement, administrative and stability periods.

• Save a draft and come back to it
• Submit when it's complete — we review it on our side
• Filing with us before? You'll see a shorter, coverage-only version

Set up your profile

What we'll ask for

Have these handy before you start.

1. Whether you offer ACA-compliant coverage to full-time employees, their spouse and dependents — and whether ownership includes other EINs at 80%+.

2. Whether you're self-insured or partially self-insured, and any HRA offering.

3. The monthly employee-only (self-only) premium — by plan period if your plan year isn't a calendar year.

4. Probationary period length, who it applies to, and how re-hires are treated.

5. Exactly when coverage begins and ends relative to hire, probation and termination dates, plus any exceptions.

6. First-time filings only: your stability period start, administrative period length, and measurement period start and length — for both ongoing and new variable-hour employees.

How to answer each question