What is Form 1095?

IRS Form 1095 was created by the IRS after the Affordable Care Act was signed into law. It's filed each year with the IRS to report information regarding the healthcare coverage provided to insurance recipients. Similar to W-2s, a copy of Form 1095 is also sent to each recipient of coverage at the beginning of the year so they can complete their federal tax return. When paper filing with the IRS, 1095 Forms will need to be sent with the appropriate transmittal Form 1094.

What are the different 1095 Forms?

  • IRS Form 1095-B: Form 1095-B is filed by insurers, including self-insured employers, who provide at least the Minimum Essential Coverage (MEC) of health insurance to individuals during a calendar year.

  • IRS Form 1095-C: Form 1095-C is filed by Applicable Large Employers (ALEs), or employers with 50 or more full-time employees, including full-time equivalents, for whom they must offer at least the MEC of health insurance.

How can I e-file Form 1095?

You can easily and quickly e-file Forms 1095-B or 1095-C with ExpressIRSForms. Start by creating your Free ExpressIRSForms account. Once you've come to the user-friendly Dashboard, click "Start New Form." From there, our program will take you through the steps to complete and transmit your forms to the IRS. With ExpressIRSForms features like the Bulk Upload, Error Checks, and Postal Mail Package, e-filing with ExpressIRSForms will make you feel like an ACA expert.

How can I correct a Form 1095-B or 1095-C?

To correct a submitted Form 1095, just log into your ExpressIRSForms account and select the incorrect form. Our program will take you through the steps you need to correct the error and retransmit your form at no cost to you.

Frequently Asked Questions

If you don't have health insurance and don't qualify for an exemption from having it, you may be subject to a fine when you file your 2017 tax return. Your tax return may also be delayed if there's a discrepancy in the information you and your employer report to the IRS.

No, the Form 1095 is to keep for your records. Your employer or insurance provider has already sent a copy of the Form 1095 to the IRS. Instead, you'll complete Line 13 on your W-2 to report the type of coverage you received, as indicated on your Form 1095.

No. In future years, you'll get your forms around the same time, as both are due to recipients by January 31. For the 2017 filing year, however, this due date has been extended to March 02, 2017. If you're unsure of how to complete Line 13 without your Form 1095, you may want to wait to file your W-2 until you've received your 1095.

If you have a question about the accuracy of your Form 1095, or need to make changes to your information, you'll need to contact your employer or insurance provider, whoever files your 1095 Forms.

ACA Resources

ACA Penalties

With the new Affordable Care Act laws and IRS forms have come new penalties for failure to comply. These penalties and the ways in which you can incur them vary depending on whether you're in the role of the insurance provider or the insurance recipient.

Providers of insurance, and filers of IRS Form 1095-B or IRS Form 1095-C, may incur penalties if they fail ...


ACA Compliance

In order to make sure employers and insurance providers, as well as individual taxpayers, comply with the new laws set in place by the Affordable Care Act, the IRS created Forms 1094-B / 1094-C and 1095-B / 1095-C, which must be reported on each year.

These forms help to ensure that all taxpayers are receiving at least the Minimum Essential Coverage (MEC) of health insurance each year by reporting information on the coverage they receive.


Affordable Care Act (ACA) Filing

The new Affordable Care Act Forms 1094 and 1095 are required to be filed beginning with the 2016 tax year. Anyone who provided at least the Minimum Essential Coverage (MEC) of health insurance to individuals will need to file these forms.

With ExpressIRSForms, you won't believe how easily you can e-file these new forms.


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