Form 1095-C is furnished by an employer that meets the large employer reporting requirements. Not receiving the form immediately is common and usually reflects how employer reporting and delivery timelines work rather than a problem with coverage or tax filing.
How Form 1095-C is normally provided
Employers typically furnish Form 1095-C by mail or electronically after the coverage year ends. The form is provided to the employee identified in the employer’s records and may be issued separately by each applicable large employer for whom the employee worked during the year.
Why the form may not have been received
The form may not arrive if employment ended early in the year, if address or electronic delivery information was outdated, or if the employer is using an alternative method for furnishing statements within allowed timeframes.
What the absence of the form means
Not having Form 1095-C in hand does not prevent tax filing and does not imply missing coverage. The employer reports the same information directly to the Internal Revenue Service, and the system retains the coverage offer record regardless of delivery timing.
How the system treats missing or delayed forms
Employer reporting obligations are satisfied through submission to the Internal Revenue Service. The employee is not required to recreate the form or submit substitute information for coverage to be recognized.
Related situations
If the form is later issued or replaced, see what a corrected or void Form 1095-C means. If the question is whether any action is required at all, see whether you need to do anything with Form 1095-C.
For the overall process explanation, return to Form 1095-C overview or consult the official description at IRS Form 1095-C document overview.