IRS

Receiving more than one Form 1095-C or receiving a form after changing jobs reflects how employer coverage is reported when employment changes during the year. Each form represents a separate employer’s reporting record and is a normal outcome of the system.

Why multiple forms are issued

Form 1095-C is issued by each Applicable Large Employer that reports coverage offers or coverage information for a period of employment. If employment changed during the year, each employer reports its own portion of the year separately.

Form 1095-C is not required to be filed with a tax return and does not need to be attached when taxes are submitted. The form serves as an informational record of employer-reported health coverage offers and, in most cases, tax filing proceeds without directly using it.

Form 1095-C reflects how a large employer reported health coverage offers and, in some cases, actual coverage provided under a self-insured plan. The form explains the employer’s reporting record rather than documenting Marketplace enrollment or insurance purchased independently.

Form 1095-C is issued when health coverage information is reported through an employer reporting system rather than through the Health Insurance Marketplace or an insurer. The specific Form 1095 you receive is determined entirely by where your health coverage originated.

Why multiple Form 1095 versions exist

The health coverage reporting framework separates Marketplace coverage, employer coverage, and other minimum essential coverage into different forms. This allows each system to report coverage according to its own rules and responsibilities.

Form 1095-C may be marked as corrected or void when an employer updates or withdraws previously reported coverage information. These designations reflect changes in employer reporting records and do not indicate an error or required action by the employee.

Why a Form 1095-C is corrected

A corrected Form 1095-C is issued when an employer revises information such as employment status, months of full-time employment, coverage offers, or covered individuals under a self-insured plan. Corrections typically occur after payroll, benefits, or eligibility data is finalized.

Form 1095-C is furnished by an employer that meets the large employer reporting requirements. Not receiving the form immediately is common and usually reflects how employer reporting and delivery timelines work rather than a problem with coverage or tax filing.

How Form 1095-C is normally provided

Employers typically furnish Form 1095-C by mail or electronically after the coverage year ends. The form is provided to the employee identified in the employer’s records and may be issued separately by each applicable large employer for whom the employee worked during the year.

Form 1095-C does not require you to fill it out, submit it, or attach it to a tax return. The form serves as an informational record of employer-reported health coverage offers or coverage and, in most situations, no action is required from the employee.

When no action is required

Receiving Form 1095-C by itself does not create a task or deadline. The employer has already reported the information to the Internal Revenue Service, and the form is provided for reference and recordkeeping.

Form 1095-C is issued when a large employer reports health coverage offers or coverage provided in connection with employment. The form reflects employer reporting obligations under the health coverage system and does not indicate a problem or a required action by the employee.

Form 1095-C appears when health coverage was offered or provided by a large employer subject to the employer shared responsibility rules. It explains how employer-sponsored coverage is reported in the system and why the form is issued without requiring the employee to file or submit it.

Form 1095-B is not always sent automatically because current reporting rules allow coverage providers to furnish the form only upon request. This approach reflects how minimum essential coverage is reported within the system and does not indicate missing coverage or a reporting failure.