When tax season hits, the real question isn’t “Can we file ACA or 1099s?”—it’s “What’s the least risky, least stressful way to get this done on time, accurately, and without derailing our team?” Most organizations land on one of two paths:
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Outsource to a trusted filing partner, or
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Use IRS-ready software and file in-house.
1099FIRE supports both approaches. Below is an honest comparison—with a focus on how outsourcing can save time, reduce risk, and let your team stay focused on the work that actually grows the business.
What “Outsourcing” Really Means (with 1099FIRE)
Outsourcing = handing the execution to specialists. You provide the data; and we take it from there including, formatting the data in the format the IRS accepts, transmitting electronically, recipient delivery mail service, and follow-through.
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You own the data. We don’t “create” or guess values. You supply your data via our secure client portal using a Microsoft Excel template spreadsheet (provided) and we transform it to IRS e-filing specifications.
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We file and track. We manage e-filing through FIRE/IRIS (and AIR for ACA), confirm acceptance, and share the results in the client portal.
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We handle the busywork. Recipient delivery (print & mail or e-delivery), B-notice support, are all covered.
- Reduced workload. No need to learn the IRS FIRE System or the new IRIS platform.
- Deadline management. We have very manageable Filing services often guarantee timely submissions.
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Why companies choose to outsource
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Lowest lift for your team. No need to learn FIRE, IRIS, AIR, test scenarios, or file layouts.
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Deadline discipline. We run a project plan against IRS/state cutoffs so nothing slips.
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Fewer rejections. Our pre-flight checks and validations catch common reject reasons before transmission.
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Corrections. If something needs fixing, we handle the resubmission loop (additional cost).
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Optional services that reduce risk. TIN Matching (as a service), B-notices, and more.
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One partner across forms. 1099, 1098, 1042-S, and ACA 1095 filing—plus state filings where required.
Using IRS-Ready Software (Define it clearly)
IRS-ready software enables you to manage data prep and submissions yourself. It supports the correct file formats and connects to the appropriate IRS systems (FIRE/IRIS; AIR for ACA) so you can transmit in-house.
Advantages of using software
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Unit-cost wins at scale. Once your team is trained and your templates are set, high volumes can be cost-effective.
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Full control. Keep every step—from validation to submission—under your roof.
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Broader coverage. 1099FIRE software supports multi-form programs (1099, 1098, 1042-S, ACA 1095, and more).
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Future-ready rails. We support IRIS and FIRE so you’re covered as IRS platforms evolve.
Note: TIN Matching is not a software button—it’s an add-on service we can perform for you.
Considerations with software
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Learning curve. Someone must own setup, testing, and each season’s edge cases.
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You own the clock. Your team is accountable for deadlines, submissions, and corrections.
Why 1099FIRE
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Two proven paths: Full-service outsourcing and robust IRS-ready software. Choose one—or mix both.
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Breadth of forms: 1099, 1098, 1042-S, ACA 1095-B/C, with state filings where applicable.
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From first file to final acceptance: E-file, recipient delivery, and correction cycles.
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Optional risk reducers: TIN Matching service, B-notice workflows, W-9 solicitations.
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Responsive support: Real people who do this all day, every day.
Ready to make 1099/ACA season painless?
Get a quote / Speak to a specialist (480) 706-6474—our team will confirm scope, pricing, and timeline the same day.
Short FAQ Snippets
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Do you prepare my data for me?
No, you provide the data, but we manage the rest, format, mail, e-file. If something is missing or inconsistent, we flag it and tell you exactly what’s needed. -
Can you TIN Match?
Yes—as a service. We’ll run TIN Matching against your file and help remediate any mismatches before filing (additional fee). -
Do you support IRIS, FIRE, and ACA AIR?
Yes. We file through the appropriate IRS system for each form family and monitor acceptances/corrections.
Which Option Fits Best?
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Outsource it if you’re short on time/people, filing across multiple form types or states, facing year-end crunch, or simply want a “make-it-go-away” solution with expert eyes and guaranteed deadlines.
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Use software if you have steady, predictable volumes and an internal owner who’s comfortable with filings and corrections.
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Go hybrid if you want software for routine work but prefer to outsource spikes, tricky forms (e.g., 1042-S/ACA), or last-minute rescues.
Final Thoughts
Both outsourcing and software can help businesses meet IRS compliance, but the right choice depends on your filing volume, budget, and desire for control. With the IRS transition to the IRIS system, investing in IRS-approved filing software now ensures you’re prepared for the future of electronic reporting.
Explore how 1099FIRE software can simplify e-filing and reduce costs for your business.