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 (note only self-insured plans are required to list 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 1095-C form was postmarked and mailed by January 31, 2018.  Eligible employees receive the form at their home address.

Q: Are the 1095 forms required to file my taxes?
A: No. The 1095 forms are not required to file your 2017 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 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 audited 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.

 

All benefit-eligible employees must take part in this year’s active Open Enrollment in order to secure their 2016 medical coverage. Active Open Enrollment for UAB employees will take place from Oct. 30–Nov. 16, 2015, within the UAB for Me benefits portal (www.uab.edu/hrintouch).  Employees are required to take action by re-evaluating their medical plan options and choosing a plan that best suits their personal needs.  

Four Key Things to Know about This Year’s Open Enrollment


  1. Why action is required
    With an active Open Enrollment, any benefit-eligible employee who does not select a 2016 medical plan option during this year’s Open Enrollment will not have medical coverage for 2016. In past years, an employees’ existing medical plan would roll over into the subsequent year if no action was taken during Open Enrollment. This is why it is critical that all benefit-eligible employees take action and make a medical plan choice that is best for themselves and their families.

  2. Health care plan rate changes
    Medical rates will increase 3 percent for employees on single plans and 5 percent for employee-plus up to two dependents and family plans.

    As part of UAB’s efforts to maintain a variety of choices for UAB employees’ medical plans, the 2016 Viva Access and Blue Cross Blue Shield employer portion of the premium will now be the same. With this change, the 2016 employee portion of the premium for BCBS will decrease.

    Medical plan design for each plan will remain the same for 2016.  There will be no changes in the dental or vision options for 2016.

  3. Tobacco usage surcharge
    In keeping with UAB’s emphasis on creating a culture of health and wellness, employees enrolling in a UAB medical plan will be required to state whether they have used tobacco products in the last six months. A $50 monthly tobacco surcharge will be applied to all declared nicotine users, beginning Jan. 1, 2016. More information on the tobacco surcharge is available here.

  4. Where to find more information
    Open Enrollment information is housed within the UAB for Me benefits portal. A detailed newsletter will be mailed to all benefit-eligible employees’ home addresses by mid-October. The UAB Benefits Fair will take place Thursday, Oct. 29, 7 a.m.–4 p.m. in the UAB Hospital West Pavilion Atrium.

    Employees can contact their HR Consultant or the UAB Benefits office with additional questions.

Use or Lose Your Personal Holidays

UAB’s policy on personal holidays requires non-hospital biweekly-paid full-time regular employees to take any unused personal holidays by the last biweekly pay period with a June pay date. 

For 2017, that means that employees in this category must take their personal holidays during the June 11-June 24 pay period, or they will be automatically forfeited.

The new personal holiday balance for the 2017/2018 period will be reflected on the June 25-July 8 pay period deposit statement.

Personal holidays must be taken prior to notice of termination; they will not be paid as terminal leave or during the period of notice.

A copy of the full holiday policy can be found in the UAB Policies and Procedures Library (HR policy 302) at: uab.edu/policies.

The policy for monthly paid employees and hospital employees remains unchanged.

If you have any questions, please contact Records Administration at 934-4408.

 

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