Receiving more than one Form 1095-C or receiving a form after changing jobs reflects how employer coverage is reported when employment changes during the year. Each form represents a separate employer’s reporting record and is a normal outcome of the system.
Why multiple forms are issued
Form 1095-C is issued by each Applicable Large Employer that reports coverage offers or coverage information for a period of employment. If employment changed during the year, each employer reports its own portion of the year separately.
How overlapping or partial-year employment is handled
When employment begins or ends midyear, employers report only the months associated with their employment relationship. This can result in multiple forms covering different periods, even if no coverage overlap occurred.
What this means for coverage records
The presence of multiple Form 1095-C documents does not indicate duplication or an error. Together, the forms describe how coverage offers were reported across different employers and time periods.
What recipients are not required to do
Receiving multiple forms does not require filing all forms with a tax return or reconciling them manually. The employer reporting system and the Internal Revenue Service handle the aggregation of coverage information.
When questions typically arise
Questions often arise when forms appear to conflict or when coverage details seem unclear across employers. These situations reflect reporting boundaries rather than mistakes.
Related situations
If a form was later updated or withdrawn, see what a corrected or void Form 1095-C means. If the concern is whether the form affects tax filing, see whether Form 1095-C is needed for taxes.
For the full employer coverage reporting context, return to Form 1095-C overview or consult the official description at IRS Form 1095-C document overview.