Form 1095-B confirms that minimum essential health coverage was in place for specific individuals and months during the year. The coverage information reflects how the reporting entity recorded qualifying health coverage within the system.
What minimum essential coverage refers to
Minimum essential coverage includes health coverage provided by insurers, government programs, and certain employer-sponsored plans that meet federal requirements. The designation indicates that the coverage satisfies the system’s definition of qualifying health insurance.
How coverage is reflected on the form
The form lists covered individuals and identifies the months during which coverage existed. This month-by-month structure allows the system to confirm coverage status without relying on separate documentation.
What the coverage information is used for
The coverage shown on Form 1095-B allows the system to verify that qualifying health coverage existed. It does not calculate tax credits and does not determine eligibility for Marketplace subsidies.
What the coverage information does not indicate
The presence of coverage on Form 1095-B does not mean that Marketplace enrollment occurred, that premium tax credits were involved, or that a tax adjustment is required. It confirms coverage only.
Related situations
If the form was issued in error or later updated, see what a corrected or void Form 1095-B means. If the question is why this form was used instead of another 1095 form, see which Form 1095 you received and why.
For the full process context, return to Form 1095-B overview or consult the official description at IRS Form 1095-B document overview.