You get your Form 1095 (A, B, or C) from whoever issued your coverage. If you bought insurance through Healthcare.gov, check your Marketplace account. Medicare users should call 1-800-MEDICARE. And if your employer provides health benefits, contact their benefits office.
How do I get a copy of my 1095-C form?
Ask your employer’s benefits department or use a secure IRS-approved service like MyTaxForm.com. Employers must send Form 1095-C to full-time employees by March 2 each year—either by mail or electronically.
Misplaced yours? Your employer can reissue it, or you can grab a duplicate through a third-party service like MyTaxForm.com. Don’t bother attaching it to your tax return, but definitely keep it for your records in case the IRS comes knocking.
How do I get a copy of my 1095-B form?
Call 1-800-MEDICARE (1-800-633-4227) or reach out to your private insurer directly. TTY users can dial 1-877-486-2048. Some insurers also let you request it online through your member portal.
Medicare Advantage, Medicaid, and most private insurers send Form 1095-B to confirm months of coverage. Not sure who issued your policy? Check your insurance card or old Explanation of Benefits (EOBs). A few states even post 1095-B forms on their Department of Health Care Services websites.
Can I get a copy of my 1095-B online?
Absolutely—many insurers let you access or download your 1095-B through their secure member portal. Big names like UnitedHealthcare, Aetna, and Blue Cross Blue Shield usually offer digital delivery.
If you’re on Medicare, head to Medicare.gov to grab yours. Paperless delivery is becoming the norm—just log in and look for the “Tax Forms” section.
Can I find my 1095-A form online?
Yes, you can pull up your Form 1095-A right from your Health Insurance Marketplace account at Healthcare.gov. If you bought coverage through your state’s Marketplace, you’ll find it there instead.
Log into your Marketplace dashboard and poke around the “Tax Forms” or “Documents” tab. You can download and print it instantly. This form is crucial for reconciling advance premium tax credits when you file your federal taxes.
How do I know if I have a 1095-A?
You’ll have a Form 1095-A if you enrolled in a Marketplace health plan for 2025. It shows the premium amounts and advance tax credits you received.
Check your email for a Marketplace notification, or log in to see if the form’s available. Only Marketplace shoppers get a 1095-A—employer plans and Medicare don’t issue this one.
Can I print my 1095-C online?
Yes, you can print your Form 1095-C through your employer’s benefits portal or a third-party service like MyTaxForm.com. Most employers use secure systems like ADP or Workday for digital tax forms.
Third-party vendors sometimes limit you to one free reprint per year. Need more copies? Expect to pay $5–$10 each. Or just call HR—they can usually send you a duplicate without hassle.
When Must 1095-C be mailed?
Employers have to mail Form 1095-C to full-time employees by March 2, 2026, unless you’ve agreed to get it electronically. This rule applies to large employers under the Affordable Care Act.
Don’t wait around for it to arrive before filing your taxes—you can still file without it. The form doesn’t go on your return, but you should keep it handy just in case.
Where do I put 1095-B on my taxes?
Don’t enter anything from Form 1095-B on your tax return. The IRS already has this info to confirm you had qualifying health coverage.
You don’t need to attach or type in data from 1095-B, but stash it with your tax documents. If the IRS ever questions your coverage months, you’ll be glad you kept it around.
Do I need a 1095-B to file my taxes?
Nope—you don’t need Form 1095-B to file your federal return. The IRS gets a copy from your insurer automatically.
You only need it if you’re proving coverage for something specific, like dodging a state penalty or qualifying for a subsidy. For most folks, just keeping it on file is enough.
Why did I get a 1095-B and not a 1095-A?
You got Form 1095-B because your coverage came from an insurer or government program (Medicare, Medicaid, etc.), not the Marketplace. Only Marketplace enrollees get a 1095-A.
Say you bought insurance from Blue Cross Blue Shield outside the Marketplace or you’re on Medicare—you’ll receive a 1095-B. Marketplace shoppers get a 1095-A to handle premium tax credits.
Did not receive 1095-A?
Reach out to the Marketplace where you enrolled—they’re the ones who issue it, not the IRS. Log into your account or call customer service.
Using Healthcare.gov? Dial 1-800-318-2596. State Marketplaces like Covered California have their own numbers—try 1-800-300-1506. Filing season gets crazy, so if it’s late February and you’re still waiting, give them 7–10 days before asking for a replacement.
Is 1095 the same as 1095-B?
No—“1095” is just the family name for three different forms: 1095-A, 1095-B, and 1095-C. Each one does its own thing and comes from a different source.
Think of it like this: 1095-A is for Marketplace plans, 1095-B is for other coverage (Medicare, private insurance), and 1095-C is for employer plans. They all confirm health coverage, but they go to different people and are handled by different organizations.
Why can’t I find my 1095A online?
Your Marketplace might not have posted it yet, or there could be a login snag with your account. By 2026, most Marketplaces have these forms up by mid-January.
Try clearing your browser cache, switching devices, or resetting your password. Still missing? Contact Marketplace support directly. Some state Marketplaces even let you request a mailed copy if you’re stuck.
Does everyone get a 1095-A?
No—only people who bought Marketplace insurance and got a premium tax credit receive Form 1095-A. Everyone else gets either 1095-B or 1095-C.
If you bought insurance outside the Marketplace or through your job, you won’t see a 1095-A. It’s strictly for reconciling those advance premium tax credits on your federal return.
What happens if I don’t get my 1095-C?
Your employer might think you weren’t a full-time employee or didn’t enroll in their health plan. Maybe you got dropped from coverage mid-year.
If you should’ve gotten one, call HR or your benefits team. You can still file your taxes without it, but the form helps verify eligibility for certain tax benefits. The IRS already has a copy if your employer filed it.
CAN 1095-C be emailed?
Yes, you can opt to receive Form 1095-C electronically, including via email. Employers can’t send it digitally unless you’ve given consent.
Give consent when you set up your benefits account or sign a paper form that’s then confirmed online. Once you’re set up, your employer can securely email you a PDF of the form every year.
Is the 1095-C still required?
Yes, large employers still have to provide Form 1095-C under the Affordable Care Act. You just don’t attach it to your tax return.
Employers must send it to full-time employees by March 2 each year. Even though it doesn’t go on your return, the IRS uses it to check that you (and your dependents) had qualifying coverage. The rule’s still in play as of 2026.
Edited and fact-checked by the FixAnswer editorial team.
