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.
How alternative furnishing works
Coverage providers such as insurers, government programs, and certain plan sponsors may satisfy their obligation by posting a clear notice explaining how a responsible individual can request a copy of Form 1095-B. When this method is used, the form is produced only if a request is made.
Why this method is allowed
The system recognizes that Form 1095-B often serves as confirmation of coverage rather than as an active tax document. Allowing on-request furnishing reduces unnecessary mailings while preserving access to the information when needed.
What this means for coverage records
Even when the form is not sent automatically, the coverage provider still reports the coverage information directly to the Internal Revenue Service. The absence of a mailed or electronic copy does not affect how coverage is recorded in the system.
When a copy may still be useful
A copy of Form 1095-B may be requested for personal records or to confirm coverage details, but it is not required for routine tax filing in most situations.
Related questions
If the form was expected but not received, see how to get Form 1095-B or what it means if it was not received. If the concern is whether any action is required, see whether you need to do anything with Form 1095-B.
For the overall process overview, return to Form 1095-B overview or consult the official description at IRS Form 1095-B document overview.