What Is a 1095-B or 1095-C Form?

Both 1095-B’s and 1095-C’s are tax forms which provide proof of health insurance coverage that meets the minimum essential coverage standard as defined by the Affordable Care Act.

The forms show the policyholder covered by the policy, as well as any dependents on the policy, and the months in which the individuals on the policy were covered.

Who Receives a 1095-B or 1095-C Form?

If you had health insurance through your employer or independently during any part of 2017, you will receive either a 1095-B or a 1095-C.

Only policyholders receive a 1095 form for that policy. Any dependents that need to furnish proof of health insurance coverage may request a copy of the form from the policyholder.

Where Does the 1095 Form Come From?

If your employer is considered an “Applicable Large Employer” or “ALE”, your employer will provide you with a 1095-C form.

If your employer is not considered an ALE or if you are independently insured, you will receive a 1095-B form directly from your insurance carrier.

If you had coverage from multiple carriers, or multiple ALEs, or even a mix of both, you will receive more than one 1095-B or 1095-C.

What Do I Do with My 1095-B or 1095-C Form?

These forms are for you records and contain information you may need to file your taxes. There is no action required on your part to complete the filing of a 1095-B or 1095-C form.

When Can I Expect To Receive My 1095-B or 1095-C Form?

The IRS deadline requires that insurance carriers or ALEs provide eligible members with a 1095-B or 1095-C no later than March 2nd, 2018.


This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.

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