Employer-Provided Health Insurance Form 1095-C

The Federal mandate to have Health Insurance has ended with Tax Year 2019.

The Affordable Care Act (ACA) and how it affects your tax return changes significantly for your 2019 return. The most important change is that the individual mandate has gone away on your 2019 return. This means that you will no longer pay a penalty if you did not have health insurance in 2019. You are no longer required to report your health insurance on your return UNLESS you or a family member were enrolled in health insurance through the Marketplace and advance payments of the Premium Tax Credit were made to your insurance company to reduce your monthly premium payment. 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

When you prepare your tax return on eFile.com, you can easily report and efile your healthcare information with your return.

Form 1095-C

Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, reports whether your employer offered you health insurance coverge and information about what coverage was offered to you. Generally you should receive the form by February 2020. This form is important to you if you purchased health insurance coverage for 2019 through the Health Insurance Marketplace and wish to claim the Premium Tax Credit. If you don’t wish to claim the Premium Tax Credit for 2019, then you don’t need the information from the Form 1095-C. 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 tax app will report your information on the Form 8962 for the Premium Tax Credit.

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)

Form 1095-C provides 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.

Reporting Your 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 the Form 1095-C with your return; it's simply for your tax records. You might receive more than one 1095-C form if you worked for more than one large employer during the year. During the return preparation process, you will be asked about your health insurance coverage. Use the information from the 1095-C form to provide the pertinent information. We will then prepare the Form 8962 - Premium Tax Credit (PTC) to be efiled with your return. Even 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 efile 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 also receive a copy of your 1095-C. 

More Information on Health Insurance and Taxes