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Annual Health Care Reporting:
Understanding Form 1095-C


Form 1095-C is an annual reporting form as part of the Affordable Care Act (ACA).

The ACA requires that employers with more than 50 employees offer health insurance to their full-time employees or pay a penalty. Form 1095-C documents that applicable large employers have complied with this regulation. Applicable large employers fill out the form, file it with the IRS, and distribute it to their employees. Employees may also need information from the form to include as part of their personal tax filing.

What employers need to know.

Employers must begin submitting and distributing 1095-Cs in 2016 for 2015 tax filing. They must file Forms 1095-C with the IRS no later than May 31st (or June 30th if filed electronically) for the previous calendar year, and distribute the form to their full-time employees no later than March 31, 2016.

Learn more about Form 1095-C for employers >

What employees need to know.

Employees should expect to receive a Form 1095-C from their employers, and may need information from the form in 2016 for their 2015 personal tax filing.

Learn more about Form 1095-C for employees >