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Employer-Provided Health Insurance Form 1095-C

There is no longer a federal mandate to have health insurance and you do not have to file Form 1095-C on your 2020 Tax return:  Prepare and eFile Your 2020 Taxes here on eFile.com.

1095-C

If you and/or your family receive health insurance through an employer, the employer will provide Form 1095-C  by early March 2021. However, you don't have to wait until then to file your return as you might get your information in a different way from your employer. The form is informational and is used to report whether they offered you health insurance coverage; if they did, information will be shown about that. Information on 1095-C might be relevant if you had to purchase health insurance via the marketplace (see 1095-A below). If you do wish to claim the premium tax credit you, will need Part II of Form 1095-C - this only applies if you purchased additional healthcare through the marketplace and received a 1095-A.

If you received health insurance through the Health Insurance Marketplace (also known as an Exchange), your coverage will be reported on a 1095-A and you will need to provide Form 1095-A information with your 2020 Tax return. You will also need to report your health insurance if you were enrolled through the Marketplace and advance payments of the Premium Tax Credit were made to your insurance company to reduce your monthly premium payment. If you need to report your healthcare information on your return for this reason, you can easily do this on eFile.com. When you start a free tax return on eFile.com, we will automatically report the required information regarding your health insurance and the Premium Tax Credit on the correct tax forms.

At eFile.com, we cover all the healthcare tax forms on the following pages: 

  1. Form 1095-A-Health Insurance Marketplace Statement
  2. Form 1095-B-Health Coverage
  3. Form 1095-C-Employer-Provided Health Insurance Offer and Coverage (this page) 
  4. Form 8962-Premium Tax Credit
  5. Form 8965-Health Coverage Exemptions

General Rules and Specifications for Affordable Care Act Substitute Forms 1095-A, 1094-B, 1095-B, 1094-C, and 1095-C.

Form 1095-C

Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, reports whether your employer offered you health insurance coverage and information about what coverage was offered to you. This form is for your information only and is not included in your tax return unless you purchased health insurance through the progress in addition to this. You will only need to enter healthcare information if you were insured through the Marketplace and need to file Form 1095-A.

A healthcare provider can be one of the following: 

  • An insurance company not in the Marketplace
  • A government agency such as Medicare and Medicaid
  • An employer who provides self-insured coverage (this is a health insurance plan offered by or on behalf of an employer to an employee)

More Information on Health Insurance and Taxes

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