You no longer have to file the information from your Form 1095-C on your tax return as the federal mandate for having health insurance ended with 2019 Returns. You do not have to file Form 1095-C on your 2022 Tax return unless you are also filing a Form 1095-A; see the details about this below. If you have received a 1095-C, you can generally simply keep a copy for your records. Prepare and eFile Your 2022 Taxes here on eFile.com.
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What to Do with Form 1095-C
If you and/or your family receive health insurance through an employer, the employer will provide Form 1095-C by early March following the tax year. However, you don't have to wait until then to file your return as you might get your information in a different way from your employer. The form is informational and is used to report whether they offered you health insurance coverage; if they did, information will be shown about that.
There are three main healthcare forms: 1095-A, 1095-B, and 1095-C. See the information below for links to each page with more information.
When is 1095-C not needed on tax return?
In general, the 1095-C shows your healthcare situation between you and your employer. It shows what the employer offered for coverage, what you as the employee claimed, and the contributions you made for pay for this insurance. Since your healthcare contributions are reported on your W-2, the 1095-C is not needed when it is the only healthcare information you have. In other words, if you only received a 1095-C for healthcare, simply store this form with your records.
In most cases, you will only need to retain this form for your records and it is not needed on your income tax return for 2022. You only receive the form because the insurance company submits the 1095-C to the IRS and they are required to issue you a copy.
When is 1095-C needed on tax return?
Information on 1095-C might be relevant if you purchased health insurance via the marketplace (see 1095-A below). If you do wish to claim the Premium Tax Credit, you will need Part II of Form 1095-C - this only applies if you purchased additional healthcare through the Marketplace (Healthcare.gov) and received a Form 1095-A.
If you received health insurance through the Health Insurance Marketplace (also known as the Exchange), your coverage will be reported on a 1095-A and you will need to provide Form 1095-A information with your tax return. You will also need to report your health insurance if you were enrolled through the Marketplace and advance payments of the Premium Tax Credit were made to your insurance company to reduce your monthly premium payment. If you need to report your healthcare information on your return for this reason, you can easily do this on eFile.com. 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:
- 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.
General Rules and Specifications for Affordable Care Act Substitute Forms 1095-A, 1094-B, 1095-B, 1094-C, and 1095-C.
Form 1095-C
Employers with 50 or more full-time employees use Form 1095-C to report the information about offers of health coverage and enrollment in health coverage for their employees. This form is for your information only and is not included in your tax return unless you purchased health insurance through the Marketplace in addition to this. You will only need to enter healthcare information if you were insured through the Marketplace and need to file Form 1095-A.
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).
More Information on Health Insurance and Taxes
- How the Affordable Care Act and American Rescue Plan Act affected your tax return
- Medical expenses to Claim on your tax return
- How health savings plans benefit your tax return.
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