Form 1095-B is a paper IRS form that reports health coverage information, confirming individuals had minimum essential coverage during the tax year.
Health coverage reporting does not have to feel overwhelming. Form 1095-B exists to keep things clear, honest, and documented for both the IRS and covered individuals.
Form 1095-B – Health Coverage Information (paper). When paperwork starts piling up, expert guidance at +1-866-513-4656 can help keep everything on track.
Table of Contents
- Understanding Form 1095-B
- Who Is Responsible for Filing
- Details Reported on the Form
- Paper Filing Process
- Important Deadlines
- Official IRS Guidance
- Final Thoughts
- FAQs
Understanding Form 1095-B
Form 1095-B, officially called “Health Coverage Information,” documents whether individuals received minimum essential health coverage. Insurance providers and self-insured employers use this form to report coverage details.
The form supports Affordable Care Act compliance and gives individuals proof of coverage if questions arise later.
Who Is Responsible for Filing
Not everyone files Form 1095-B. Filing responsibility usually falls on:
- Health insurance carriers
- Self-insured employers
- Government-sponsored health coverage providers
Employees do not submit this form themselves. If responsibilities feel unclear, a quick call to +1-866-513-4656 can clear the confusion.
Details Reported on the Form
Form 1095-B focuses on coverage confirmation rather than dollar amounts. It includes:
- Covered individual names and Social Security Numbers
- Employer or insurer identification details
- Months when coverage was active
- Confirmation of minimum essential coverage
Accuracy matters. Even minor errors can lead to IRS notices.
Paper Filing Process
Paper filing remains available for organizations submitting fewer than 250 forms. The process follows a straightforward path:
- Prepare Form 1095-B for each covered individual.
- Complete Form 1094-B as the transmittal form.
- Mail copies to individuals.
- Send paper forms to the IRS before the deadline.
Handling paper forms manually takes time and focus. Many businesses prefer professional assistance through +1-866-513-4656 to avoid mistakes.
Important Deadlines
Deadlines are strict and should not be overlooked:
- Forms must be provided to individuals by early March.
- Paper submissions must reach the IRS by February 28.
- Electronic filing becomes mandatory when submitting over 250 forms.
Missing deadlines may result in penalties, so early preparation helps.
Official IRS Guidance
The IRS offers clear instructions and official references that should always guide reporting:
- IRS Overview of Form 1095-B
- IRS Instructions for Forms 1095-B and 1094-B
- IRS Questions and Answers on Form 1095-B
Using IRS-published guidance ensures compliance and builds reporting confidence.
Final Thoughts
Form 1095-B may look simple, but it plays an important role in health coverage reporting. Accurate filing protects both businesses and individuals.
If you want peace of mind during the filing process, help is always available at +1-866-513-4656.
FAQs
1. Is Form 1095-B required for all employers?
No. It mainly applies to self-insured employers and insurance providers.
2. Can Form 1095-B be filed on paper?
Yes. Paper filing is allowed when fewer than 250 forms are submitted.
3. What happens if the form is filed late?
Late filing may lead to penalties. Timely submission is strongly recommended.
4. Where can I verify filing rules?
Always confirm requirements using the official IRS Form 1095-B page.
