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What is a 1095-C or Employer-Provided Health Insurance Form?

"are you insured?"

At efile.com, we cover all the healthcare tax forms in the following pages: 

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

What is a 1095-C?

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 software will automatically check a box on your return indicating you had full-year health insurance coverage. 

Why Did I Receive a Form 1095-C?

You received a 1095-C form from your healthcare provider because you were a full-time employee working for a large employer (which generally has 50 or more full-time employees) and have health insurance through that employer. 

What is a HealthCare Provider?

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 

What is Self-Insured Coverage?

This is a health insurance plan offered by or on behalf of an employer to an employee. 

Will I Still Receive a 1095-C Form If I Was Not a Full-Time Employee? 

You will still receive the form if your employer offered self-insured coverage and you and/or a family member enrolled for the coverage. 

What Information is 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. 

What If I Am 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, the software will calculate your Premium Tax Credit for you based on the information you provide.

How Do I 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.

Is It Possible That I Would Receive More Than One 1095-C?

You may receive more than one 1095-C form if you worked for more than one large employer during the year. 

Am I Required to File a Tax Return If I Receive a 1095-C Form?

You may 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.

How Do I Find Out if I Need to or Want to File a Tax Return?

Use our FILucator tax tool to determine whether or not you need to file a tax return.

Can I File My Tax 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. The efile software will help you do this by checking your return for errors once you enter your healthcare information.

When Should I Receive Form 1095-C?

Generally, you should receive the form by March 31, 2018 for 2017 tax returns. 

What If I Don't Receive My Form 1095-C? 

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. 

How Do I Report My 1095-C Information on My 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 software will automatically check off a box on your tax return reporting that you had health insurance for the entire year. 

What If I Was Not Covered By Health Insurance All 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, the software will automatically calculate your exemption or payment based on the information you enter. 

More Information on Health Insurance and Taxes

How Does the Affordable Care Act/Obamacare Affect My Tax Return?

What is the Premium Tax Credit?

What are the Tax Payments and Exemptions for Not Having Insurance?

What Medical Expenses Can I Claim on My Tax Return?

How Do Health Savings Plans Benefit My Tax Return?