1095 Forms

Affordable Care Act IRS Reporting Forms: 1095-A, 1095-B and 1095-C

The Affordable Care Act (ACA) is a federal law that requires almost everyone in the United States to have medical coverage. Starting in tax year 2015, people who don't have at least a minimal level of coverage could have to pay a fine to the Internal Revenue Service (IRS).

There are three new information forms (similar to a W2) which contain information that is required for completing your taxes. Also, like a W-2 form, the 1095-A, 1095-B and 1095-C forms will be provided to the IRS.
What is the 1095-A form?

The 1095-A form is sent to consumers who purchase health insurance directly from the Health Insurance Marketplace at healthcare.gov or a state based marketplace.  This form is sent by the Marketplace. If a consumer has questions or concerns about this form, they should contact the Marketplace at 1-800-318-2596.   The Marketplace will create a ticket to resolve the issue.  If necessary, a new form will be mailed to the consumer.

Form 1095-A, Health Insurance Marketplace Statement, is a tax form issued by the Health Insurance Marketplace that gives you information about the coverage you purchased from the Marketplace for the coverage period of the prior year
  1. If anyone in your household was covered by a Marketplace plan in 2015, you’ll get Form 1095-A, the Health Insurance Marketplace Statement, from the Health Insurance Marketplace.
  2. The 1095-A is sent by the Marketplace, not the IRS or Community Health Options.
  3. The 1095-A includes 2015 information for all Marketplace plans held by people in your household. 
  4. The Marketplace began mailing out 1095-A forms as of mid-January. The Center for Medicare and Medicaid Services (CMS) and healthcare.gov advised that it could be mid-February before yours arrive in the mail.
  5. If you have an online Marketplace account, you will find the 1095-A form there too (it may be available there before it comes in the mail according to healthcare.gov).
  6. If you have a question about your 1095-A please contact the Marketplace 1-800-318-2596
**Important update - If you have received your 1095-A, and it is incorrect you must call the Marketplace to resolve the issue (1-800-318-2596). Explain to the agent that your call is about an incorrect 1095-A form. The Marketplace has a specialized department to resolve incorrect 1095-A issues. 
What is the 1095-B form?

The 1095-B form is sent to consumers who purchase health insurance directly from a health insurance issuer or who were covered through their employer who purchased insurance directly from a health insurance issuer or the Federal or State Small Business Marketplace.  This form is sent by the health insurance issuer.  Any questions related to form 1095-B should be directed to the issuer.
What is the 1095-C form?

Form 1095-C is sent to consumers directly from their employer.   Most consumers in a group plan will receive this form depending on the type of insurance provided by their employer.  Questions related to form 1095-C should be directed to the consumer’s employer.