You can usually get tax papers from HealthCare.gov by logging in and downloading them from your account under “Tax Forms”. For 2026 filings, HealthCare.gov provides Form 1095-A and some insurers provide 1095-B or 1095-C; availability depends on your coverage type.
How do I get a copy of my 1095-B form?
Call 1-800-MEDICARE (1-800-633-4227) or TTY 1-877-486-2048 to request a printed copy of your IRS Form 1095-B. If you had private insurance or an employer plan, contact your insurance company first; Medicare only issues the 1095-B to beneficiaries.
TTY users can call the same Medicare hotline. You may receive the form by mail or download it from your insurer’s member portal, depending on your coverage type. (Pro tip: Check your email spam folder—sometimes forms get lost in the shuffle.) Some states with individual mandates may still require it; check your state’s rules.
Can I get my 1095 C form online?
Yes—many large employers and self-insured plans provide 1095-C through a secure online portal called Tax Form Management. You can also request a reissue instantly from the same portal.
If your employer uses a third-party administrator (TPA), log in via their dedicated site. If you purchased coverage through HealthCare.gov and your employer is self-insured, check both portals. Honestly, this is the easiest way to grab your form—no waiting on hold with HR.
Do I need a 1095-B to file my taxes?
No—you do not need Form 1095-B to file your federal tax return in 2026. The IRS uses it internally to verify months of qualifying coverage, but you can self-attest without attaching the form.
Keep the form with your records in case the IRS requests verification. Some states with individual mandates may still require it; check your state’s tax agency usually clears this up.
WHO issues a 1095-B form?
Form 1095-B is issued by health insurance carriers, Medicare, Medicaid, CHIP, and small self-insured employers with fewer than 50 full-time employees. Large employers (50+ employees) issue 1095-C instead.
If you bought a plan directly from an insurer or through your state exchange and it wasn’t through an ACA Marketplace, expect a 1095-B. That said, don’t panic if you’re unsure—your insurer will send it automatically. Health coverage details can vary by provider.
Why did I get a 1095-B instead of 1095-A?
You received a 1095-B because you had coverage through an employer or government plan (Medicare, Medicaid, CHIP), not through a Health Insurance Marketplace. The Marketplace sends 1095-A to people who enrolled in subsidized coverage.
Example: If you got insurance from your job or were on Medicaid in 2025, you’d get a 1095-B. If you bought a plan on Healthcare.gov with a premium tax credit, you’d get a 1095-A. Makes sense, right? VA benefits may also issue similar forms.
How does a 1095-B affect my taxes?
Form 1095-B helps confirm that you and your dependents had qualifying health coverage each month, which avoids the shared responsibility payment. Since 2019, the federal penalty no longer applies, so it mostly serves as proof for record-keeping.
If you’re in a state with an individual mandate (e.g., California, Massachusetts), you may need to report coverage on your state return; 1095-B can help verify those months. Check your state’s tax website—some make this super easy.
What Is a IRS Form 1095-B?
IRS Form 1095-B is an information return that shows which months you and your dependents had minimum essential health coverage during the previous tax year. It is used to verify compliance with health insurance mandates.
You should receive it by January 31 if you had qualifying coverage. It’s not filed with your tax return but may be requested during an audit. Health records are important for tax purposes too.
Where can I get a copy of my 1095-C form?
Get your 1095-C directly from your employer or the plan administrator; only they can provide it. If you lost your copy, call HR or the benefits department listed on your pay stub or benefits portal.
If you enrolled through HealthCare.gov and your employer is self-insured, check both your employer’s portal and the Marketplace site, as some employers use a third-party vendor. (HR can be slow—don’t wait until April to ask.)
How do I access my 1095-A?
Log in to your HealthCare.gov account, go to “Your Existing Applications,” select the correct plan year, then choose “Tax Forms” to download your 1095-A. You should receive an email when it’s available, usually by mid-January.
- Visit HealthCare.gov and sign in.
- Select your 2025 coverage plan under “Your Existing Applications.”
- Click “Tax Forms” in the left menu.
- Download or print the 1095-A PDF.
How do I know if I have a 1095-A form?
You have a 1095-A if you, your spouse, or dependents enrolled in health coverage through a Health Insurance Marketplace and received or were eligible for the premium tax credit in 2025. Check your email or HealthCare.gov account for a notification.
If you’re unsure, log in to your Marketplace account and look under “Tax Forms.” You can also call the Marketplace helpline at 1-800-318-2596. Researching tax requirements can help clarify this process.
Who gets form 1095a?
Anyone who enrolled in a qualified health plan through a Health Insurance Marketplace (like Healthcare.gov) and had coverage in 2025 receives Form 1095-A. This includes households that got advance payments of the premium tax credit.
You don’t need to send this form with your tax return, but you must use the information on it to complete Form 8962 when reconciling your advance credit. Health coverage details can vary by plan.
Do I need 1095-A or B?
Use Form 1095-A only if you bought insurance through a Marketplace; use 1095-B if you had employer, Medicare, Medicaid, or CHIP coverage. Most taxpayers don’t attach these forms to their return, but keep them for your records.
If you had both Marketplace and employer coverage in 2025, you may receive both forms. Keep them separate and use the correct one for your filing needs. Organizing tax documents can prevent mix-ups.
Did not receive 1095-A?
Contact the Health Insurance Marketplace where you enrolled; they are responsible for issuing and reissuing Form 1095-A. Call 1-800-318-2596 or visit HealthCare.gov for assistance.
You can also check your account to see if it was generated but not delivered, or request a duplicate if lost or incorrect. Understanding tax forms can help you navigate this process.
Are 1095-B required for 2019?
No federal requirement existed for 2019 and beyond, so you did not need to file or attach Form 1095-B for 2019 returns or later. However, some states with individual mandates may still require it.
Even though it’s not required, keep your 1095-B for your records in case of an IRS inquiry or state filing. Tax compliance is always a good practice.
Can I download 1095-B?
Yes—many insurers let you download or print your 1095-B from your member website or app by logging in and going to “Tax Documents” or “Coverage Statements”. Otherwise, call the number on your insurance card to request a copy.
Examples include UnitedHealthcare, Aetna, and Blue Cross Blue Shield plans. Medicare beneficiaries can download 1095-B from Medicare.gov under “My Messages.” Government health programs often provide digital access to forms.
