1095-A, 1095-B and 1095-C: What are they and what do I do with them?

En Espanol-  1095-A, 1095-B and 1095-C: ¿Qué son y qué debo hacer con ellos?

You may have recently received a form in the mail from DHHS, your employer or the Marketplace. The 1095 form is your "proof of health care coverage" for 2017.  Remember if you did not have health care coverage for more than 3 months, you are required to pay a shared responsibility payment (penalty).  

You will need this form when you go to file your taxes.  There are 3 types of 1095 forms--for Marketplace insurance, public insurance, and employer insurance. If your status changed during the year, or if you had multiple employers, you may get more than one type of 1095!

  Form 1095-A

Form 1095-A

1095-A Health Insurance Marketplace Statement

If you had health care coverage through the Marketplace for any part of 2017,  you will receive a 1095-A.  If you selected electronic communications, you will receive an email notifying you that your 1095-A can be downloaded from your Marketplace account at healthcare.gov.  

Your marketplace statement will indicate your tax credit and this form is used to determine whether you may have to pay part of your tax credit back or whether you will receive more of a tax credit. 

Form 1095-A is used to fill out Form 8962 to reconcile the tax credits you received with your actual 2017 income.  (Read about Form 8962 in this blog post!)

  Form 1095-B

Form 1095-B

1095-B Health Coverage

You will receive a 1095-B form if your health care was provided by your employer or was provided by the government through the Children's Health Insurance Program (CHIP, MIChild in Michigan), Medicaid, Medicare or a basic health plan.  These forms may not be mailed until after March 2.  The IRS states it is not necessary to file a 1095-B with your taxes. 

  Form 1095-C

Form 1095-C

1095-C Employer-Provided Health Insurance Offer and Coverage

Employees will receive a 1095-C if you health care was sponsored by your employer.  

Want more details? The IRS has detailed information about the 1095 forms here.

 

Two More Tax Forms

You may also need to reconcile your tax credits with Form 8962 or claim a health coverage exemption with Form 8965.  (Read about Form 8962 in this blog post!)

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