Even Small Self-Insured Groups Must File

If your company is self-insured — even small employers — you must file ACA forms with the IRS.
This includes level-funded plans and ICHRAs!

If you missed the March 2 deadline to furnish forms to employees, make sure you e-file with the IRS by March 31 to stay compliant!

Stay compliant. File on time!

ACA filings are due annually, with two key 2026 deadlines:

March 2, 2026

• Provide Form 1095 B/1095 C to employees (or post the required website notice)

March 31, 2026

• File Form 1094/1095 electronically with the IRS

Missing these deadlines can result in penalties, so it’s important to prepare early.

If you’re unsure which forms you need or whether your plan qualifies as self insured, we can help make it easy.

Questions: Contact Jen Burnett, Partner and Benefits Plan Director at (320) 214-2943.