Answering Your Questions about IRS Form 1095-C


Q: What is a 1095-C form?
A: IRS form 1095-C is an annual employee health insurance tax statement provided by employers to employees who are eligible for health insurance as defined by the Affordable Care Act (ACA). All employees who were eligible for health insurance as defined by ACA will receive a 1095-C regardless of whether they participated in a UAB health insurance plan.

The 1095-C is comprised of three parts:
  • Part I: Identifying information about the employee and the employer
  • Part II: Information about the employer’s offer of group health coverage
  • Part III: Information about the employer health coverage, including names and Social Security numbers of the employee and his or her covered dependents

Q: Why did I receive this form?
A:
Under the Affordable Care Act, employers are required to provide form 1095-C to employees who are eligible for health insurance as defined by the Affordable Care Act (ACA). All employees who were eligible for health insurance as defined by ACA will receive a 1095-C regardless of whether they participated in a UAB health insurance plan.

Q: When will I receive the 1095-C form?
A: This year, the federal government extended the deadline for mailing the 1095-C form until March 2, 2017. Eligible employees will receive the form at their home address prior to March 2.

Q: Are the 1095 forms required to file my taxes?
A: No. The 1095 forms are not required to file your 2016 taxes. However, it is highly recommended that you retain this form with your tax records. The form verifies whether you had employer sponsored health coverage during the year. The IRS may ask you to send a copy of this form along with your W-2 form if you are audited.

Q: My spouse and/or dependent(s) file their own taxes but are covered under my health insurance. Will they receive a copy of the 1095-C form?
A: Only the employee will receive a copy of the Form 1095-C. However, dependents on your health plan who file their own taxes will need a copy for their tax records. You may provide a Xerox copy of your form to your dependents; an official reprint is not necessary.

Q: What should I do with this form?
A: You should retain this form with your tax records. The IRS may ask you to send a copy of this form along with your W-2 form if you are audited.

Q: What do I do with the 1095-C form if I have already filed my taxes?
A: You should retain this form with your tax records. If the IRS audits your tax return, you may be asked to send a copy of this form.

Q: How do I get another copy of the 1095-C form if I have misplaced the form?
A: Contact UAB Benefits at Benefits@uab.edu or 205-934-3458.