Health Insurance, Income Tax Returns, & Repeal of the Individual Mandate

Not all 1095 forms have been issued at this time!

  • Please look for your 2017 1095-B or 1095-C form from your insurance company, if you had coverage outside of the Health Insurance Marketplace.
    Deadline for insurance company to provide forms  – March 2, 2018.
  • Short-term insurance plans do not satisfy the insurance mandate as minimum essential coverage; meaning you will not receive a tax form if you were enrolled in this type of plan in 2017.
  • For those with coverage through The Health Insurance Marketplace in 2017, 1095-A forms have already been mailed and can also be accessed via your marketplace login.

1095 forms provide information needed to report on the income tax return that you, (your spouse, and individuals you claim as dependents) had qualifying health insurance coverage (referred to as “minimum essential coverage”) for some or all months during the year. Individuals who do not have minimum essential coverage and do not qualify for an exemption (see table below) from this requirement may be liable for an individual shared responsibility payment, also referred to as a tax penalty.

Minimum essential coverage includes government-sponsored programs, eligible employer-sponsored plans, individual market plans, and other coverage the Department of Health and Human Services designates as minimum essential coverage. For more information about the tax provisions of the Affordable Care Act (ACA) visit the IRS website or call the IRS Healthcare Hotline for ACA questions (1-800-919-0452).

PLEASE NOTE THAT THE REPEAL OF THE INDIVIDUAL MANDATE BEGINS IN 2019.

YOU MUST HAVE MINIMUM ESSENTIAL COVERAGE IN 2018
to avoid paying a tax penalty!


Form 1095-A

Health Insurance Marketplace Statement. The Health Insurance Marketplace (also known as an Exchange) sends this form to individuals who enrolled in coverage there, with information about the coverage, who was covered, and when.

Form 1095-B
Health Coverage. Health insurance providers (for example, health insurance companies) send this form to individuals they cover, with information about who was covered and when.

Form 1095-C
Provided Health Insurance Offer and Coverage. Certain employers send this form to certain employees, with information about what coverage the employer offered. Employers that offer health coverage referred to as “self-insured coverage” send this form to individuals they cover, with information about who was covered and when.

The IRS has extended the due date for employers and providers to issue health insurance coverage forms to individuals in 2018.

Insurers, self-insuring employers, other coverage providers, and applicable large employers now have until March 2, 2018, to provide Forms 1095-B or 1095-C to individuals, which is a 30-day extension from the original due date of Jan. 31.

Click here to download a PDF of this table