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FAQs For 1095B and 1095C Tax Forms

  1. WHAT IS THIS 1095 FORM I’M RECEIVING? A 1095 form is a little bit like a W-2 form. Your insurer sends one copy to the Internal Revenue Service (IRS) and one copy to you. The 1095 form reports your healthcare coverage periods throughout the year.

  2. WHO IS SENDING IT TO ME, WHEN AND HOW? Your employer and/or insurer are sending the forms. This year, the Health Fund will mail out the forms by March 31st. Starting in 2017, the Fund will mail forms each year by January 31st. Please see FAQ #5 for additional information.

  3. WHY ARE YOU SENDING IT TO ME? The 1095 forms will show whether or not you and your family members had health coverage during each month of the previous year. The forms were created because the Affordable Care Act requires that every individual must obtain health insurance and provide proof when filing their federal income tax return or pay a penalty to the IRS.

  4. WHAT DO I DO WITH THIS FORM? Keep it for your tax records. You don’t actually need this form in order to file your taxes, but when you do file, you’ll have to tell the IRS whether or not you had health insurance for each month of 2015. The Form 1095-B or 1095-C shows if you had health insurance through your employer. Since you don’t need this form to file your taxes, you don’t have to wait to receive it if you already know what months you did or didn’t have health insurance in 2015. When you do get the form, keep it with your other 2015 tax information in case you should need it in the future to help prove you had health insurance.

  5. COULD I RECEIVE MORE THAN ONE 1095 FORM? Yes. Someone who had health insurance through more than one employer during the year may receive a 1095-B or 1095-C from each employer and/or Insurer. Some employees may receive a Form 1095-A and/or 1095-B reporting specific health coverage details. Just keep these — you do not need to send them in with your 2015 taxes. PWGA Health Fund participants can expect to receive at least two forms, one from the Health Fund which will show the months the participant and their covered dependents were covered during the previous year and one from each employer that reported contributions to the Health Fund on their behalf.

  6. WHAT IF I DID NOT GET A FORM 1095-B OR 1095-C BUT SHOULD HAVE? If you believe you or any of your dependents should have received a 1095 tax form from the Health Fund and did not, please contact the Eligibility Department at (818) 846-1015 or (800) 227-7863 to request one.

  7. WHAT IF I HAVE QUESTIONS REGARDING THE PERIODS OF COVERAGE INDICATED ON MY 1095 FORM? Please contact the Eligibility Department, they will answer any questions you may have.

  8. I WOULD LIKE MORE INFORMATION REGARDING THE 1095 FORMS – WHO DO I CONTACT? The IRS has created a website called: Questions and Answers about Health Care Information Forms for Individuals (Forms 1095-A, 1095-B, and 1095-C) which should provide you with the information you need.