Affordable Care Act Update: New Information About Form 1095-B and 1095-C

Health Care blue check[3]

2016 marks the second year that Americans are required to report their health insurance status on their taxes under the Affordable Care Act (ACA). If you have health insurance through your employer, Medicaid, Medicare, VA, or other qualifying coverage, all you will need to do is just check a box indicating you have coverage and you are done!

During the tax season, taxpayers who have non-Marketplace health insurance (their plan wasn’t purchased on healthcare.gov or a state Marketplace) may receive the new Forms 1095-B or 1095-C — these are receipts from private insurers or employers, confirming you had or were offered coverage. Check them for accuracy if you receive them and keep them for your records. You will not need them to file your 2015 tax return.

If you purchased health insurance on healthcare.gov or your state Health Insurance Marketplace, you will still report your health insurance information from Form 1095-A on your tax returns. And like last tax season, reporting your Marketplace insurance in TurboTax will be a simple as entering your W-2.

Do you have more questions about the ACA and how it impacts you and your taxes? Like with all tax laws, TurboTax is up to date and has you covered. You can get answers to your questions at TurboTax Health.

Comments (41) Leave your comment

  1. I itemized on fed med prem. Now mo state says they need proof of ins pd to get qualified health coverage credit don’t have anything to show do have file 1095 A or C with state form

    1. Hi Tylor,
      You will receive your 1095-B from your employer or health care provider. Per the IRS you don’t need to file your 1095-B with your taxes. It is for information purposes only.
      Thank you,
      Lisa Greene-Lewis

    1. I have Tricare do I need 1095-c to complete my taxes. I am using Turbo Tax and I had to stop because I did not have my 1095-c form from Tricare.

      1. Hi Maurine,
        Per the IRS you do not need to file your 1095-C with your taxes. It is for information purposes only. You just check the box that you have insurance.
        Thank you,
        Lisa Greene-Lewis

      1. Hi Mike,
        1A is the code which indicates minimum essential coverage is offered. 2C reflects your enrollment in your employer’s coverage. Per the IRS you do not need to file form 1095-C with your taxes.
        Thank you,
        Lisa Greene-Lewis

  2. As an employer, Do I have to file a 1095 or 1094 with my returns? Do I have to give my employees one of these forms? It is confusing to me.

    1. Hi,
      Good news. You don’t have to worry. Per the IRS you do not have to file 1095-Bs or Cs. they are for information purposes only.
      Thank you,
      Lisa Greene-Lewis

      1. Poor Lisa! How many times have you had to answer the same question!! I do have a question. Where do you check off that you have insurance on your tax return???

      2. Hi Shirley, Form 1095-B or 1095-C are not specifically reported on the tax return. As long as you properly indicated your coverage (for example, being covered for the entire year), you are good to go.

        If you got a 1095-A:
        Once in you return, Click Federal Taxes
        Click Healthcare
        You will need to input your healthcare coverage information in this part of the interview
        First you will be asked about how many months out of the year that you had healthcare coverage
        Second you will need to indicate that your plan was from healthcare.gov or another marketplace
        Third you will need to fill in the form 1095-A to match the paper copy you received

        Keep any Form 1095’s you receive for your records.

  3. on the very top of the 1095-c form. “employer-provided health insurance offer and coverage”. Do I need to check mark one of the two boxes? my employer did provide insurance. so, the corrected box is the one to check?

  4. I have received Form 1995-B and my info on the form is correct. My question regards Part IV:
    My husband is covered by my policy with BC/BC in addition to Medicare, but his information is NOT listed on Part IV – Should I be concerned about this? Should I take any action?

  5. I have Medicare and BCBS for myself and my spouse. Do I need to complete this form, and if I do where do I send this form 1095B.

    1. Hi Sherry,
      Per the IRS you do not need to file your form 1095-B with your taxes/ With TurboTax you will just check the box when you are asked if you have insurance.
      Thank you,
      Lisa Greene-Lewis

  6. I qualify to file 1040 ez but I received form 1095B as I had to sign up for medicare even tho I have insurance covered by my employer Can I still file 1040ez?

    1. Hi Sandra,
      Yes you can if you meet the qualifications to file a 1040EZ. Per the IRS, the 1095-B is for information purposes only. You do not have to file it with your taxes. With TurboTax you just check the box saying that you have health insurance.
      Thank you,
      Lisa Greene-Lewis

  7. I’m retired from the Federal Govt. and have medicare and blue cross/blue shield health insurance. Why did I receive IRS form 1095-b and what am I supposed to do with it?

    1. I have medicare and blue cross blue shield I received 1095-B it says I have blue cross I do no see medicare on the form on part 111 do they know I have medicare?

  8. I use Veterans Administration for my care ,my sole income is social security . What do I do with this form? I have no other insurance except for medicare part A but never use it.

    1. Hi Joanna,
      Are you referring to the 1095-B or 1095-C? If so they are for information purposes only. You don’t need to file this form per the IRS.
      Thank you,
      Lisa Greene-Lewis

  9. I need to know if I file could I do a 1095c and how much will it cost I do the 1040eazy and pay nothing can you help me

    1. Hi Patricia,
      If you have insurance provided by your employer, government provided insurance, or private insurance and receive a 1095C per the IRS you don’t have to file a 1095C with your taxes. It’s for information purposes only. If you can file a 1040EZ or 1040A you can file with TurboTax Absolute Zero for free
      https://blog.turbotax.intuit.com/turbotax-news/turbotax-brings-back-absolute-zero-start-filing-your-taxes-today-20970/
      Thank you,
      Lisa Greene-Lewis

  10. old on medacare and medacde. what am I sopose to do withthis 1095b form formis filled out with allcorect info already mail it back or what alome don’t reed well

    1. Hi James,
      Per the IRS the 1095-B is for information purposes only. You just need to check and make sure the information looks correct. You do not need to file it with your taxes.
      Thank you,
      Lisa Greene-Lewis

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