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FORM 1095C FAQS

Form 1095-C is one of these forms, and the information below is intended to provide a high-level overview of this form and its purpose.

#1: What is Form 1095-C? Form 1095-C provides information about the health insurance coverage, if any, offered to you by your employer. Employers who are considered Applicable Large Employers (ALEs) under the Affordable Care Act (ACA) are required to distribute a Form 1095-C to full-time employees, and in some cases, other individuals who enroll in health coverage. ALEs are those employers who employed an average of at least 50 full-time employees, including full-time equivalent employees, in the previous calendar year.

#2: Will I get a Form 1095-C? Yes, but only if you meet one of the following:

  • You were a full-time employee working for an ALE in 2017.
  • You or a family member enrolled in self-insured health insurance coverage sponsored by an ALE in 2017, regardless of your full-time employee status.

You also might receive more than one Form 1095-C if you worked for more than one ALE in 2017.

#3: Do I need Form 1095-C to complete my individual taxes? No. While the information on this form may assist you in preparing your taxes as proof that you (and any spouse and/or dependents) had coverage for each month in 2017, you can prepare and file your return using other information about your health insurance. In fact, due to the IRS delaying the deadline for furnishing Form 1095- C to employees, you might not receive a Form 1095-C by the time you are ready to file your 2017 tax return, and you should not wait for this form before filing your taxes. You should also not file Form 1095-C with your tax return. Instead, keep this form with your other important tax documents for your records.

#4. Where can I get additional information about Form 1095-C? The IRS has great resources on its website about this form. You may visit the following link for more information: https://www.irs.gov/affordablecare-act/questions-and-answers-about-health-careinformation-forms-for-individuals. If you have questions about the Form 1095-C that you received, you may also contact your employer at the contact number listed on Part I, line 10 of the form.

Content produced by our partners ​ETC (Eligibility Tracking Calculators). For more information on other ACA & HR Compliance topics, speak to a benefit consultant today.