As the Affordable Care Act (ACA) continues to shape the landscape of employer-mandated healthcare reporting, HR departments face increasing pressure to stay compliant, efficient, and accurate. In 2025, a variety of software solutions have matured to offer powerful tools that simplify ACA reporting, E-file submissions, and data management. Below is a detailed look at the top 10 ACA reporting software options, chosen for their features, user-friendliness, support ecosystem, and overall value for HR professionals.

What is ACA Reporting Software?

ACA reporting software is a digital tool designed to help employers comply with the Affordable Care Act’s (ACA) requirements for tracking, managing, and filing employee health coverage information. Under the ACA, applicable large employers (those with 50 or more full-time employees or full-time equivalents) must provide proof to the IRS that they are offering affordable health coverage to their staff, primarily through IRS Forms 1094-C and 1095-C.

What It Does

ACA reporting software automates much of this process. Instead of manually compiling spreadsheets, employers can:

• Collect and organize employee data: hours worked, eligibility status, and coverage offered.
• Generate compliance forms: Automatically prepare 1094-C and 1095-C forms based on real-time data.
• File electronically with the IRS: Submit forms directly through e-file systems.
• Distribute employee copies: Provide digital or print versions of Form 1095-C to staff.
• Monitor compliance year-round: Identify potential penalties, track eligibility changes, and flag errors before filing deadlines.

Why It Matters

Without ACA reporting software, HR and payroll teams would spend extensive time tracking healthcare data, correcting mistakes, and navigating complex IRS filing requirements. The software minimizes risk of penalties, reduces administrative burden, and ensures accuracy—especially important for larger organizations with high employee turnover or multiple locations.

Who Uses It

• HR teams: To manage eligibility, benefits, and form distribution.
• Payroll administrators: To sync pay and hours data for accurate reporting.
• Business owners/finance leaders: To ensure compliance, avoid fines, and maintain records for audits.

In short, ACA reporting software is both a compliance safeguard and an efficiency booster, turning a stressful regulatory task into a manageable, often automated process.

Top 10 ACA Reporting Software of 2025

1. EasyBenefits Plus

Overview:
EasyBenefits Plus has become a go-to for medium to large organizations seeking a streamlined ACA reporting experience. It integrates with popular payroll and HR systems and offers guided workflows to create, validate, and file Forms 1094-C and 1095-C effortlessly.

Notable Features:

• Automated data sync from major HRIS and payroll platforms.
• Built-in validation tools to catch inconsistencies before filing.
• Cloud-based portal with secure access for HR and employees.
• e-file and print mailing services, including state-level handling.
• Email notifications to employees when their Form 1095-C is ready.

Pros:

• User-friendly interface with clear workflows.
• Great customer support with live chat and on-boarding assistance.
• Robust validation helps reduce error rates significantly.
• Flexible pricing tiers based on employee count.

Cons:

• Some advanced custom reporting features require additional fees.
• Slight learning curve for very large enterprises handling multiple subsidiaries.

2. ACAcomply Pro

Overview:
Designed for organizations with complex benefits structures, ACAcomply Pro combines powerful reporting capabilities with compliance intelligence. It’s ideal for multi-state employers and those with union plans or multiple collective bargaining agreements.

Notable Features:

• Multi-jurisdiction filing capabilities.
• Rule-based logic engine to handle varied eligibility rules.
• Dashboards and compliance alerts for missing or incomplete data.
• Employee self-service portal for form retrieval and FAQs.

Pros:

• Handles complexity with ease, including open enrollment overlaps.
• Customizable alert system helps HR teams stay ahead of issues.
• Comprehensive documentation and training webinars.

Cons:

• Interface can feel dense to first-time users.
• Pricing tends toward the higher end, especially for smaller companies.

3. SaaS-ACA Suite

Overview:
A cloud-native ACA reporting platform built for scalability and simplicity. SaaS-ACA Suite has one of the cleanest UIs in the market, making it a standout for small to mid-sized businesses wanting a modern, no-frills experience.

Notable Features:

• Modern web interface with drag-and-drop file upload.
• Real-time error detection and correction tools.
• Scenario-based previews and “what-if” testing (e.g., “What if this employee changed status?”).
• API access for custom integrations and automation.

Pros:

• Lightweight, intuitive design suited for non-technical users.
• Great for companies starting out with ACA reporting automation.
• Transparent flat-rate pricing regardless of employee count.

Cons:

• Lacks some advanced customization options found in enterprise tools.
• Currently no print-mail service; users must export and manage on their own.

4. CompliStar ACA

Overview:
Targeted toward larger enterprises and PEOs, CompliStar ACA provides end-to-end ACA reporting, compliance audit trails, and centralized management across multiple clients or divisions.

Notable Features:

• Multi-entity dashboards with global oversight.
• Detailed audit logs and user change tracking.
• Bundled print, e-file, and correction services.
• Optional white-label reporting for PEOs serving clients.

Pros:

• Scalable architecture supports thousands of employee records.
• Excellent for organizations that must handle filers for multiple entities.
• Deep audit capabilities that support internal or external compliance reviews.

Cons:

• Higher setup and onboarding time; implementation can take several weeks.
• May be overkill for single-company smaller HR departments.

5. HealthFile Express

Overview:
HealthFile Express emphasizes simplicity and speed. It’s crafted for HR teams looking to get ACA reporting done quickly without diving into overly complex configurations.

Notable Features:

• Wizard-based guide to walk through every step of the process.
• Rapid templates for commonly used reporting scenarios (full-time, seasonal changes, etc.).
• Built-in reminders to ensure deadlines are met.
• Consolidated view of employee eligibility and coverage.

Pros:

• Extremely fast implementation—customers report readiness in under a day.
• Well suited for lean HR teams or those new to ACA filing.
• Cost-effective solution with minimal added modules.

Cons:

• Limited customization; not suited to unusual or edge-case scenarios.
• Fewer integrations—often requires manual data upload.

6. InsightACA Enterprise

Overview:
InsightACA Enterprise brings enterprise-grade reporting and analytics for organizations integrating ACA compliance into a broader governance, risk, and compliance (GRC) framework.

Notable Features:

• Extended analytics, risk scoring, and historical trend tracking.
• Integration with GRC platforms and HR compliance dashboards.
• Central policy library and guidance modules.
• Enterprise-grade security and single sign-on support.

Pros:

• Analytics tools help HR leadership spot patterns and recurring issues.
• Perfect for risk-averse organizations with robust compliance oversight.
• High levels of data security and enterprise integration.

Cons:

• Very expensive licensing.
• Requires longer ramp-up and a dedicated team for full utilization.

7. QuickForm ACA

Overview:
QuickForm ACA is a lightweight, no-frills tool that focuses primarily on quick ACA reporting with minimal fuss. It’s great for businesses that only need to file once or twice and don’t want to maintain a year-round relationship.

Notable Features:

• One-page form builder for 1094-C/1095-C.
• Step-by-step prompts that guide through mandatory sections.
• Printable PDFs ready for upload to IRS or mailing.
• On-demand onboarding—get started immediately online.

Pros:

• Fastest path to filing for small entities.
• Very low cost—great for budget-conscious teams.
• No heavy training or implementation needed.

Cons:

• No ongoing integration or roll-forward support; manual each year.
• Users missing automation or audit features may outgrow it quickly.

8. ACA Streamline

Overview:
ACA Streamline balances automation and usability. It is tailored for HR managers who want reporting processes that can largely run themselves once set up.

Notable Features:

• Scheduled feeds from payroll and HR systems ensure up-to-date data.
• Auto-flagging of gaps in coverage or eligibility anomalies.
• In-app chat support and seasonal assistance.
• Bulk e-file across multiple employer IDs.

Pros:

• Significant automation reduces repetitive tasks year over year.
• Especially useful for organizations with recurring staffing changes.
• Competitively priced with tier-based discounts as employee count grows.

Cons:

• Initial configuration of feeds may require technical support.
• In-app support availability can slow during peak filing season.

9. SmartCompliance ACA

Overview:
SmartCompliance ACA focuses on compliance risk reduction with a no-errors guarantee—meaning if the IRS penalizes due to filing errors, they’ll compensate or correct at no charge.

Notable Features:

• Error-free filing guarantee.
• Pre-submission simulation to detect and correct anomalies.
• Risk-based alerting to surface high-risk records early.
• Dedicated ACA specialists during peak filing season.

Pros:

• High confidence for HR teams worried about accuracy and potential penalties.
• Hands-on support gives peace of mind during critical filing moments.
• Especially attractive for organizations with spotty ACA filing history.

Cons:

• Highest cost among peers due to guarantee and specialist support.
• May be unnecessary for highly experienced in-house teams.

10. ACA Fusion

Overview:
ACA Fusion is a newer player combining crowdsourced best practices with core ACA compliance. It caters to organizations that want an agile, modern interface supported by peer-reviewed workflows.

Notable Features:

• Plugin-based functions reflecting field-tested ACA practices.
• Community-driven templates—users can share workflows.
• Active peer forums and ACA help crowdsourcing.
• Modular upgrades—only pay for the features you use.

Pros:

• Innovative, collaborative approach brings fresh workflows.
• Flexible modular-permission means cost remains lean.
• Growing user community and support channels.

Cons:

• Relatively new—smaller user base means fewer field use cases.
• Some modules still under refinement; may lack polish compared to mature tools.

Comparison Table (Consolidated View)

Software	Best For	Key Strengths	Drawbacks
EasyBenefits Plus	Mid to large firms	Guided workflows, strong support	Custom reports cost extra
ACAcomply Pro	Complex, multi-state setups	Advanced logic, compliance alerts	Steeper learning curve, pricey
SaaS-ACA Suite	Small to mid businesses	Modern UI, flat-rate pricing	No print-mail service
CompliStar ACA	Large enterprises, PEOs	Scalable, audit trails	Long setup, perhaps overpowered
HealthFile Express	Speed-focused teams	Wizard interface, quick set-up	Limited customization
InsightACA Enterprise	Enterprise compliance frameworks	Analytics, GRC integration	Expensive, high ramp-up time
QuickForm ACA	Budget filings	Fast, lean, low-cost	Manual each year
ACA Streamline	Automated annual workflows	Scheduled feeds, auto-flagging	Initial config effort
SmartCompliance ACA	Risk-averse orgs	Error guarantee, specialist support	Very high cost
ACA Fusion	Agile, collaborative users	Peer workflows, modular pricing	New product, evolving features

Final Thoughts

Selecting the right ACA reporting software in 2025 hinges on balancing your organization’s complexity, resource availability, and risk appetite:

• Choose EasyBenefits Plus or ACA Streamline for robust automation with manageable setup.
• For especially complex or multi-entity environments, ACAcomply Pro or CompliStar ACA provide comprehensive functionality at a higher cost.
• If you’re cost-conscious or just getting started, QuickForm ACA or SaaS-ACA Suite can get the job done affordably and efficiently.
• Need enterprise-grade analytics and compliance integration? InsightACA Enterprise may be worth the investment if you also use broader GRC systems.
• Want peace of mind with a minimal error margin? SmartCompliance ACA delivers that guarantee—though at a premium.
• And if you’re drawn to innovation and community-driven solutions, ACA Fusion brings flexibility and a growing base of workflow-sharers.

No matter which software you choose, ensure you confirm vendor support, onboarding timeframes, integration compatibility with your HR/payroll systems, and how future-proof the platform is for evolving ACA rules. A pilot run or trial—if offered—can help expose whether the tool meets your workflow before full rollout.