ACA

This section provides answers to common ACA Processing questions.

Which paper forms will Spectrum support?

Form 1095-C is the only form supported. Spectrum will not provide the paper Form 1095B (for small self-insured companies) or the paper transmittal forms, 1094-B and 1094-C.

I have less than 250 employees. Do I still have to file electronically?

Yes. We are not going to provide a paper version of Form 1094-C, which is the transmittal form for Form 1095-C. Instead we are going to offer the file that can be submitted to Nelco directly. This means that everyone will file ACA information electronically.

Why is Spectrum not supporting the 1095-B?

Form 1095-B is only used for organizations with less than 50 full-time and full-time equivalent employees that are also self-insured. This is expected to be such a small group that anyone falling into this category can complete their forms manually using the fill-in PDF forms from the IRS.

What if I don't have HR and am self-insured?

You will be able to import all covered individuals and their information using the Employee Worksheet. Regardless, all self-insured organizations should start now gathering this data.

What if I don't want to file electronically?

You are welcome to file form 1095-B manually, but Spectrum will not create it for you.