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.
How the system uses the information
The information on Form 1095-C is used by the system to administer employer shared responsibility rules and to help determine eligibility for certain tax benefits. This happens independently of any action by the employee.
What the form does not affect
Form 1095-C does not calculate the premium tax credit, does not replace income documents, and does not by itself change a refund or balance due. It is not a filing requirement.
Situations that raise questions
Questions often arise when the form was not received, when employment changed during the year, or when multiple employers issued separate forms.
If the form was not received or is accessed later, see how to get Form 1095-C 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-C overview or consult the official description at IRS Form 1095-C document overview.