Employer-Provided Health Insurance Form 1095-C
At eFile.com, we cover all the healthcare tax forms in the following pages:
- Form 1095-A-Health Insurance Marketplace Statement
- Form 1095-B-Health Coverage
- Form 1095-C-Employer-Provided Health Insurance Offer and Coverage (this page)
- Form 8962-Premium Tax Credit
- Form 8965-Health Coverage Exemptions
When you prepare your tax return on eFile.com, you can easily report and efile your healthcare information with your return.
Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, reports information about your health insurance if you and/or your family member(s) are enrolled for coverage through an insurance provider for some or all of the year via your employer. . It may also include information on whether you enrolled for the insurance. It's easy to prepare and file a return with your 1095-C information on eFile.com. Once you answer a few simple questions, the eFile.com software will automatically check a box on your return indicating you had full-year health insurance coverage.
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)
Information on the 1095-C
Form 1095-C lists information about your employer-provided health insurance. In some cases, it also provides information on whether or not you enrolled for the coverage.
If you are also enrolled in a health insurance Marketplace plan, this information will be listed in Part II of your Form 1095-C, and it can help you determine if you qualify for the Premium Tax Credit. When you prepare your tax return on eFile.com, we will calculate your Premium Tax Credit for you based on the information you provide.
How to Use Form 1095-C
You can use the form to report your health insurance information on your eFile.com tax return. However, you don't need to include it with your return; it's simply for your tax records. When you go through the efile process, you will be asked questions about your health insurance and the software will automatically check a box reporting your healthcare coverage.
You may receive more than one 1095-C form if you worked for more than one large employer during the year.
You might not need to file a tax return only because you received the form. However, you may need to file a tax return if your income is within the IRS filing requirements for your filing status and age. Use our FILEucator tax tool to determine whether or not you need to file a tax return.
Filing Your Return Without Form 1095-C
Yes, you don't need to include the form with your tax return. Simply keep it for your records. The IRS will receive a copy of your 1095-C, so report your information accurately on your return. We will help you do this by checking your return for errors once you enter your healthcare information.
You should receive the form by March 4, 2019 for 2018 Tax Returns. Though you may not receive the form by the time you are ready to file your tax return, you do not need to wait for the form in order to file your return, especially if you know your health insurance information. However, make sure you report your information accurately on your return since the IRS will receive a copy of your 1095-C.
Reporting Your 1095-C on Your Tax Return
During the Healthcare section of the tax interview, answer "Yes" for the first question on having health insurance for the entire year and "No" for the second question for having insurance through the Marketplace. The eFile.com software will automatically check off a box on your tax return reporting that you had health insurance for the entire year.
If there is information in Part III of Form 1095-C stating that you did not have health insurance for the entire year, review this information to determine if there are months when you or your family members did not have coverage. If there are months you did not have coverage, you should determine if you qualify for an exemption from the requirement to have coverage. If not, you must make an individual shared responsibility payment.
On eFile.com, we will automatically calculate your exemption or payment based on the information you enter.
More Information on Health Insurance and Taxes