Form 1095-C: why you received it and how employer coverage is reported
Form 1095-C appears when health coverage was offered or provided by a large employer subject to the employer shared responsibility rules. It explains how employer-sponsored coverage is reported in the system and why the form is issued without requiring the employee to file or submit it.
Form 1095-B: why you received it and what it confirms
Form 1095-B appears when minimum essential health coverage was provided outside the Health Insurance Marketplace. It confirms that coverage existed during the year and explains how the system records that fact without requiring any action or filing by the recipient.
Form 1095-A: why you received it and how it is used
Form 1095-A appears when health insurance coverage existed through a Health Insurance Marketplace during the year.
What it means if you changed jobs or received multiple Form 1095-C
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.
Do you need Form 1095-C for taxes
Form 1095-C is not required to be filed with a tax return and does not need to be attached when taxes are submitted. The form serves as an informational record of employer-reported health coverage offers and, in most cases, tax filing proceeds without directly using it.
How employer coverage is reflected on Form 1095-C
Form 1095-C reflects how a large employer reported health coverage offers and, in some cases, actual coverage provided under a self-insured plan. The form explains the employer’s reporting record rather than documenting Marketplace enrollment or insurance purchased independently.
Which Form 1095 you received and why
Form 1095-C is issued when health coverage information is reported through an employer reporting system rather than through the Health Insurance Marketplace or an insurer. The specific Form 1095 you receive is determined entirely by where your health coverage originated.
What a corrected or void Form 1095-C means
Form 1095-C may be marked as corrected or void when an employer updates or withdraws previously reported coverage information. These designations reflect changes in employer reporting records and do not indicate an error or required action by the employee.
How to get Form 1095-C or what it means if you did not receive it
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.
Do you need to do anything with Form 1095-C
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.