Forms 1095A, 1095B, 1095C - What They Mean for You

Sep 19, 2026

This document explains the tax-year health insurance forms 1095A, 1095B, and 1095C and how they are used to support individual tax filings. It describes who issues each form—Marketplace, insurance providers, and employers with 50+ full-time employees—and what proof they provide about coverage months and affordability. It also outlines actions related to Form 8962, timing for receiving Form 1095-A, and guidance when multiple jobs or providers apply, including related premium tax credit reconciliation.

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Forms 1095A, 1095B, 1095C - What They Mean for You

Purpose and intent of the notices

Form 1095-A (Health Insurance Marketplace)

Form 1095-B (insurance provider)

Form 1095-C (employer with 50+ full-time employees)

Handling multiple providers and coverage contracts

Community Health Options January payment deadline

Health insurance and filing your taxes (Form 1095-A and Form 8962)

Purpose of Form 1095-A

Who must file Form 1095-A

Can you file Form 8962 without Form 1095-A?

Multiple providers and coverage types

Forms 1095A, 1095B, 1095C – What They Mean for You Beginning this tax filing year, there are several new documents being issued from various sources to provide information to complete individual tax filings. These notices are intended to provide the Internal Revenue Service with proof that individuals had health insurance coverage, the months during the year the health insurance coverage existed, and for full-time employees of companies with 50 or more employees, proof that affordable and minimum value coverage was offered . The form 1095A is from the “Health Insurance Marketplace .” This is provided to an individual who enrolled in coverage through the Marketplace ( [healthcare.gov](healthcare.gov) ), which family members were covered on the health insurance plan and what months the insurance coverage was in place . This form is intended to provide the IRS with proof that the individual and any family members had coverage that satisfies the individual shared responsibility provision of the Affordable Care Act . The form 1095B is from the health insurance provider. This most often will be the health insurance company itself . They will provide this notice to individuals they cover, with information about who was covered and when . Again, this is intended to provide proof that the individual and any family members had coverage that satisfies the individual shared responsibility provision of the Affordable Care Act . The form 1095C is from the employer with more than 50 full-time employees or equivalents. This provides information about the health plan that is offered (or not), and that it meets the minimum value as determined by the affordable care act . It also certifies that the health insurance coverage offered is“affordable .” This affordability percentage will change each year, but for 2015, the rule was that the coverage could not cost more than 9 .56% of a full-time individual’s annual salary. This illustrates the individual’s eligibility for a premium tax credit if they had purchased coverage through the Health Insurance Marketplace . It is possible that an individual will receive these notices from several sources . If the individual had more than one job in 2015, or was covered by more than one insurance company, there will be multiples. If family members were enrolled on separate contracts, that will require multiple notices as well . Please feel free to call us for assistance with understanding these forms or for a more in-depth, detailed explanation. Call 207-236-4311 . Community Health Options January Payment Deadline Extended We have had a number of calls from Community Health Options members about their January invoices and when payments are due . The deadline for January payments has been extended to Thursday, Jan . 7 at 6 p .m . Also, we’ve been told that the Community Health Options service center is experiencing high call volumes resulting in extended wait times for callers . If you would like to make a payment by phone, you may want to use their automated payment system by calling 877-254-3508 . For debit card payments, please have your member identification number and debit card account number, security code and expiration date ready. For payments by check, please have your member identification number, bank routing number and account number ready. Health Insurance and Filing Your Taxes By Jan . 31, 2016, the Health Insurance Marketplaces will be mailing Form 1095-A to all individuals who enrolled in Marketplace health insurance coverage . Form 1095-A acts as proof of insurance, and is sent to individuals who had Marketplace coverage to allow them to: Claim Premium Tax Credits Reconcile the Credit on their returns with Advanced Premium Tax Credit Payments File accurate tax returns in general, as this information can be used to help determine exemptions or penalties under the individual mandate Purpose of Form Form 1095-A is not a form that you have to complete;

FAQs

What are Forms 1095A, 1095B, and 1095C meant to prove for tax filings?

They provide proof of health insurance coverage and the months during the year it was in place. They also help support requirements tied to the Affordable Care Act and individual tax filings.

Where does Form 1095-A come from, and how is it used?

Form 1095-A comes from the Health Insurance Marketplace. It is used as proof of Marketplace coverage and to claim or reconcile Premium Tax Credits with Form 8962.

If I received tax credits, do I need Form 1095-A to file Form 8962?

Yes. The document advises waiting for Form 1095-A because it contains the information needed to complete Premium Tax Credit Form 8962 accurately. If deadlines are near, it suggests filing for an extension and requesting the form from the Marketplace.

Sep 19, 2026

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