Form 1095-C is the IRS form used by employers to report health insurance offers to employees, showing ACA compliance and coverage details. For assistance, call +1-866-513-4656.

Many employers find Form 1095-C intimidating, but it’s mostly a way to document who was offered health insurance and for how long. Submitting accurate forms ensures employees can claim tax credits and avoids IRS penalties.

Form 1095-C – Employer-Provided Health Insurance Offer and Coverage (paper).For professional guidance, call +1-866-513-4656 anytime.

Introduction to Form 1095-C

Form 1095-C, officially “Employer-Provided Health Insurance Offer and Coverage,” is used by Applicable Large Employers (ALEs) to report the health insurance they offered to full-time employees during the year.

The IRS uses this information to verify compliance with the ACA, and employees use it to confirm eligibility for premium tax credits.

Who Must File?

Employers with 50 or more full-time or full-time equivalent employees are required to file Form 1095-C. Each full-time employee gets their own copy, and the IRS receives a transmittal via Form 1094-C.

Smaller employers are generally exempt unless they sponsor a self-insured plan. If you’re unsure about your filing status, you can call +1-866-513-4656 for guidance.

How It Works?

Form 1095-C shows months in which coverage was offered, enrollment status, and cost of the lowest-cost plan available. Employers send copies to employees and submit a transmittal form to the IRS.

This reporting helps employees claim tax credits and confirms that employers meet ACA coverage rules.

Key Sections of the Form

• Employee information: name, Social Security Number, address
• Employer details: name, EIN, and contact info
• Coverage offered and months available
• Employee enrollment status
• Certification of ACA-compliant coverage

Accuracy in these sections is essential. Even small mistakes can lead to IRS inquiries. For a review or verification of your forms, call +1-866-513-4656.

Deadlines and Filing Tips

Paper forms must reach the IRS by February 28, and electronic filings by March 31. Filing early ensures you avoid penalties. Gathering employee coverage data in advance can save time and prevent errors.

Why Accurate Filing Matters?

Correct Form 1095-C filing prevents penalties, helps employees claim tax credits, and maintains compliance with ACA rules. Accurate records also demonstrate good administrative practices to the IRS.

Trusted IRS Sources

Refer to these official IRS resources for complete and accurate guidance:

• About Form 1095-C – IRS Overview
• Instructions for Forms 1094-C and 1095-C – IRS
• IRS Q&A on Employer Reporting

Frequently Asked Questions

1. Who must file Form 1095-C?

Applicable Large Employers (ALEs) with 50+ full-time employees. 

2. Do employees receive Form 1095-C?

Yes, each full-time employee receives their own form for tax purposes.

3. What if the form is late?

Late filings can lead to penalties. For help with timely filing, call +1-866-513-4656.

4. Can the form be submitted electronically?

Yes. Employers filing 10+ returns must submit electronically by March 31.