How to Obtain a Copy of Your 1095-B Form for Healthcare Reporting

As a healthcare provider who has received a Form 1095-B, you might be asking yourself, 'How do I get a copy of my 1095-B form?' This article is designed to guide you through the process of obtaining a copy of your 1095-B form, whether you received it from your employer or your healthcare insurance provider.

Who Provides the 1095-B Form?

Form 1095-B is typically provided by either your employer (if you work for a company that self-insures healthcare) or your healthcare insurance provider. The provider’s website often has instructions on how to obtain this form.

Contacting the Appropriate Provider

Depending on who provided you with the 1095-B form, you will need to contact the appropriate entity to request a copy. Here’s how:

If Your Employer Provided the Form

If you work for an employer and they are self-insured, they should provide you with a 1095-B form. You can request a copy of this form directly from your employer’s human resources department. They should be able to provide you with the necessary form or a digital copy.

If Your Healthcare Insurance Provider Provided the Form

If you received your healthcare through a provider or a marketplace like Healthcare.gov, you can request a copy from them. Most insurance companies have an online customer service portal where you can request forms and other documentation. Contact their customer service department to request a copy of your 1095-B form.

Special Considerations for Larger Employers

If you work for an employer that has 50 or more employees, you may receive a different form: Form 1095-C. This form is used to report on the employer’s health insurance coverage. If you need a copy of your 1095-C form, you should contact your employer or the managing entity responsible for administering the coverage.

What to Do with the 1095-B Form

For most individuals, the 1095-B form is no longer necessary for tax purposes. In 2022, the Affordable Care Act’s individual mandate was repealed, which means that the civil penalty for not having health insurance was eliminated.

However, the 1095-B form is still important for other purposes such as verifying healthcare coverage, applying for certain benefits or subsidies, and preparing for potential eligibility reviews by insurance companies. If you need to submit your 1095-B form for any of these reasons, ensure that you provide it to the appropriate party.

Additional Tips for Obtaining Your 1095-B Form

If you have tried contacting your employer or healthcare insurance provider and are still unable to obtain a copy of your 1095-B form, you can try the following:

Check if your state government website offers resources for obtaining 1095-B forms. Visit your local tax office or contact your state’s tax department for assistance. Verify that the form is still available on the official IRS website or other federal government resources.

Once you have obtained your 1095-B form, keep it in a safe place or scan it and store it on your computer or a secure cloud storage service for future reference.