Form 1095-B does not require you to fill it out, submit it, or attach it to a tax return. The form serves as confirmation that minimum essential health coverage was recorded for the year and, in most situations, no action is required from the recipient.
When no action is required
Simply receiving Form 1095-B does not create a task or deadline. The form documents coverage that already existed and is kept for records. In many cases, it is never actively used during tax filing.
How the system uses the information
The reporting entity also provides coverage information directly to the Internal Revenue Service. This allows the system to confirm that minimum essential coverage was in place, without relying on the recipient to submit the form.
What the form does not affect
Form 1095-B does not determine eligibility for the premium tax credit, does not affect refunds or balances due, and does not change how a tax return is filed. It does not replace income documents and does not need to be referenced unless specifically relevant to a coverage question.
Situations that raise questions
Questions often arise when the form was not received automatically, when multiple coverage sources existed, or when the recipient is unsure why this form was issued instead of another 1095 form.
If the form was not received or was accessed later, see how to get Form 1095-B or what it means if it was not received.
If the concern is how this form compares to other 1095 forms, see which Form 1095 you received and why.
For the broader process overview, return to Form 1095-B overview or consult the official description at IRS Form 1095-B document overview.