Form 1095-B is provided by the entity that supplied minimum essential health coverage, such as an insurance company, a government program, or a plan sponsor. Not receiving the form automatically is common and usually reflects how coverage providers furnish statements rather than a problem with coverage or tax filing.
How Form 1095-B is normally furnished
Coverage providers may furnish Form 1095-B by mail, electronically, or by making it available upon request. In many cases, providers are allowed to post a notice explaining how a copy of the form can be requested instead of sending it automatically.
Why you may not have received the form
The form may not be sent automatically when the provider uses an alternative method of furnishing statements, when electronic delivery settings are in place, or when coverage information is consolidated for multiple individuals under one responsible person.
What the absence of the form means
Not having Form 1095-B in hand does not mean coverage was missing or improperly reported. The coverage provider still reports the information directly to the Internal Revenue Service, and the system records that minimum essential coverage existed.
How the system handles coverage without the form
The reporting obligation is satisfied through the provider’s submission to the Internal Revenue Service. The recipient is not required to recreate or substitute the form in order for coverage to be recognized.
Related situations
If the form is later issued or updated, see what a corrected or void Form 1095-B means. If the question is whether any action is required at all, see whether you need to do anything with Form 1095-B.
For the overall process explanation, return to Form 1095-B overview or consult the official description at IRS Form 1095-B document overview.