The instructions for Forms 1094 and 1095 contain reporting information for clients who have decided to offer individual coverage health reimbursement arrangements (ICHRAs) beginning in 2020. ICHRAs allow employers to reimburse employees for the cost of individual health insurance premiums without violating the ACA market reform rules. Forms 1095-B and 1095-C are provided to both the IRS and the employee who receives coverage. The employee's ICHRA contributions now count for purposes of determining whether the employee's contribution is affordable. For more information on ICHRAs, visit Tax Facts Online.