1095 ACA EFile: XML File Errors and Solution

ez1095 ACA software helps customers validate XML files before submitting the efile documents to IRS. Find step-by-step solutions to resolve common ACA eFiling errors.

Note: If you received errors after submitting ACA forms to IRS, please refer to

IRS ACA Submission Errors and Solutions

Step 1: Find the error and solution

Error	Solution
1	Form1095CAttachedCnt Error	Scroll down to view #1
2	Middle Name error	Scroll down to view #2
3	Address Error	Scroll down to view #3
4	Foreign Address Error	Click to view solution
5	StartMonthNumberCd Error	Click to view solution
6	Datetime Error or DOB error	Click to view solution
7	BusinessNameControlTxt Error	Click to view solution
8	ALEContactPhoneNum Error or Phone Error	Click to view solution
9	EmployeeOfferAndCoverageGrp Error: The element 'EmployeeOfferAndCoverageGrp' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty22' has incomplete content. List of possible elements expected: 'AnnualOfferOfCoverageCd, MonthlyOfferCoverageGrp' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty22'.	Click to view solution
10	StateCD Error: ERROR (Line xxx): The 'urn:us:gov:treasury:irs:ext:aca:air:7.0:StateCD' element is invalid.	Click to view solution

Step 2: Find the form and fix the error

How to read XML file data by line number

Step 3: Generate the new XML files, validate and efile

After you fixed the error(s), you MUST generate the new XML files with ez1095 software. Please DO NOT modify the XML documents manually!!!

#1. Form1095CAttachedCnt Error

ERROR (Line 26): The 'urn:us:gov:treasury:irs:ext:aca:air:7.0:Form1095CAttachedCnt' element is invalid - The value '' is invalid according to its datatype 'urn:us:gov:treasury:irs:ext:aca:air:7.0:TotalNumberNonNegativeType' - The string '' is not a valid Integer value.

Solution: This error is caused on box 18 on Form 1094C. You need to fill in the form 1094C and submit it together with the 1095C forms. The efile documents includes both 1095 and 1094 forms.

1. Start ez1095, open the 1094C form and enter box 18 and other information. Save your changes.

2. Generate the efile documents again

3. Validate XML files and submit them to IRS

#2. Middle Name error

ERROR (Line 36): The 'urn:us:gov:treasury:irs:ext:aca:air:7.0:PersonMiddleNm' element is invalid - The value 'M.' is invalid according to its datatype 'urn:us:gov:treasury:irs:ext:aca:air:7.0:PersonMiddleNameType' - The Pattern constraint failed.

Solution: You can use letter for name only. You should use "M" instead of "M." for middle name initial

#3. Address Error

ERROR (Line 21): The 'urn:us:gov:treasury:irs:ext:aca:air:7.0:AddressLine1Txt' element is invalid - The value 'Forest Spring road #1523' is invalid according to its datatype 'urn:us:gov:treasury:irs:ext:aca:air:7.0:StreetAddressType' - The Pattern constraint failed.

Solution: You cannot use special character for address. You can use letter and number only. You can fix this error by changing 'Forest Spring road #1523' to 'Forest Spring road Apt 1523' or 'Forest Spring road Ste 1523'

#4. Foreign Address Error

ERROR (Line 9339): The element 'ForeignAddressGrp' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty18' has invalid child element 'CountryNm' in namespace 'urn:us:gov:treasury:irs:common'. List of possible elements expected: 'CountryCd, CountryNm' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty18'.

XML (Line 9339): "<"irs:CountryNm">"Mexico"<"/irs:CountryNm">"
Solution: Use the country code for efiling by changing "Mexico" to "MX".

You can find the IRS foreign country code listing here.
https://www.irs.gov/e-file-providers/foreign-country-code-listing-for-modernized-e-file

#5. StartMonthNumberCd Error

ERROR (Line 80): The element 'Form1095CUpstreamDetail' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty20' has invalid child element 'EmployeeOfferAndCoverageGrp' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty20'. List of possible elements expected: 'StartMonthNumberCd' in namespace 'urn:us:gov:treasury:irs:ext:aca:air:ty20'.

Solution:
Please open the 1095C form, and check "Plan Start Month" in Part II. Please make sure you entered the correct value.

For example: If your plan start from Jan, please enter "01" there.

More Troubleshooting Information

You can find more information from FAQs.

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