IRS Form 1099-SA (Tax Year 2026)
Distributions From an HSA, Archer MSA, or Medicare Advantage MSA
- No TCC. No ID.me.
No IRS Setup Required
- Secure. Compliant.
IRS A2A-Approved
- Fast, Accurate,
and Hassle-Free
IRS Form 1099-SA is used to report distributions from Health Savings Accounts (HSAs), Archer Medical Savings Accounts (MSAs), and Medicare Advantage MSAs. Banks, financial institutions, insurance companies, and other trustees or custodians that manage HSA or MSA accounts are generally responsible for filing Form 1099-SA.
Pricing
Small to Mid-Size Filers
- (Up to 5,000 recipients)
$249
- per submission*
- Includes first 100 recipients
- $0.28 per additional recipient (101–5,000)
- Unlimited payers included
Enterprise / High Volume
- Over 5,000 recipients
- Multiple submissions
- Custom pricing available
- * A submission is a single file with unlimited payers of one form type (i.e. 1099-NEC or 1099-MISC).
File with Confidence
- No TCC, ID.me, or IRS Setup
- You don’t need a TCC or ID.me account. We handle everything.
- We Transmit Using Our IRS Credentials
- We file on your behalf using our approved IRS TCC.
- Direct, Secure IRS Submission
- Files are transmitted directly to the IRS through the IRIS A2A channel.
- Data Validation Before Filing
- We validate your data to help reduce errors and rejections.
- Fast Turnaround
- Tailored to your data volume for quick processing.
- SOC 2 Compliant System
- Our portal is SOC 2 compliant and built for secure data handling.
- 20+ Years Experience
- IRS A2A Approved
- Real U.S. Support
HOW OUR IRIS FILING PROCESS WORKS
Upload Your File
Upload your Excel or CSV file securely.
We Validate & Format
We format and validate your data to IRS standards.
Review & Approve
We generate IRS-ready PDFs for your approval.
Filed Directly to IRS
Your forms are e-filed securely using IRIS.
No manual processing. Fully automated IRIS submission.
Frequently Asked Questions (FAQs)
Do I need a TCC, ID.me account, or IRIS registration?No. Our filing service handles the IRS transmission process for you through our IRS-approved A2A channel, so no IRS setup is required on your end.
Upload your spreadsheet securely through our portal and we will generate the IRS XML files and recipient PDFs, validate your data, and electronically file the forms through IRIS after your approval.
Yes. We support original filings, corrections, and prior year 1099-SA submissions.
Our service supports both small and large volume filings, including multiple payer submissions and high-volume recipient datasets.
Yes. Data is securely transmitted through the IRS IRIS A2A system using encrypted upload and transmission methods designed for sensitive taxpayer information.
Yes. Multiple payer datasets and large batches of recipient records can be included within a single filing submission depending on your reporting needs.
1099FIRE previously sold 1099-SA software for the IRS FIRE System, where users could generate a file and upload it through the IRS website. IRIS is different. For 1099-SA filing, there is no simple IRS upload screen where users can browse for a file and submit it themselves. IRIS transmissions must be sent through a secure A2A channel.
Because the A2A connection cannot be packaged as normal downloadable software, we now provide a 1099-SA e-filing service instead. Send us your Excel file, and we handle the data import, validation, recipient PDFs, XML creation, and IRS IRIS transmission on your behalf.
