Do I need to include my 1095-C with my tax return?
Asked by: Leora Zieme | Last update: August 6, 2025Score: 4.6/5 (33 votes)
Does 1095-C go on a tax return?
In addition to filing your W-2, the IRS requires reporting of health insurance coverage information for the 2023 federal income tax reporting year. While it is not necessary to include the Form 1095-C with your tax return, you'll need to include your insurance information on your tax return.
What happens if I don't report my 1095-C?
Employers who fail to meet filing or furnishing deadlines or report incorrect information on an informational return may be subject to IRS penalties. For forms due in 2025, failure to file an informational return such as the 1095-C can result in a penalty of $330 per form, capped at $3,987,000.
Do I need to enter 1095-C on TurboTax?
No. Forms 1095-B and 1095-C are for your records only, as the IRS doesn't need any details from them. We'll ask a few questions about your health care coverage after you finish entering your deductions and credits in TurboTax.
What happens if I don't put my 1095 on my taxes?
Form 1095-B is not required to file your state or federal taxes and you may self‑attest to your health coverage without it. You should get a Form 1095-B in the mail by January 31 following the reported tax year.
What is a 1095-C and why is it necessary to add it to a filed TurboTax return?
Is there a penalty for not filing 1095-C?
Failure to File Penalty
In 2024, the IRS may assess a penalty of $310 per return to organizations that submit 1095-C forms late, and after Aug. 1, 2024. If the employer neglects their filing obligations altogether, the penalty increases to $630, per return.
Does 1095 affect tax return?
Yes. In some cases, the information on the corrected Form 1095-A may be in your favor – it may decrease the amount of taxes you owe or increase your refund. Taxpayers have the option of filing an amended return if they choose.
Is 1095-C optional?
Yes, a Form 1095-C must be filed for (and furnished to) every full-time employee, including a full-time employee who has coverage under TRICARE or a VA health program.
Does the IRS still require proof of health insurance?
Health care coverage documents
You are not required to send the IRS information forms or other proof of health care coverage when filing your tax return. However, it's a good idea to keep these records on hand. This documentation includes: Form 1095 information forms.
Where do I add a 1095-C form?
Forms 1095-B and 1095-C or other documentation used to determine healthcare coverage shouldn't be attached to the return but should be kept for your records.
Do I need my 1095-C to file taxes in 2024?
For calendar year 2024, Forms 1094-C and 1095-C are required to be filed by February 28, 2025, or March 31, 2025, if filing electronically.
What if I filed my taxes and forgot a 1095-A?
The IRS will contact you and ask you to send in a copy of Form 8962. You will create the Form 8962 in TurboTax by following these directions: Log into TurboTax on a browser.
Why do I owe taxes for health insurance?
Owe taxes if you used more of the premium tax credit than you qualified for in 2024. You'll have to report the excess amount on your 2024 tax return by filing Form 8962, Premium Tax Credit (PDF, 115 KB). Find instructions for Form 8962 (PDF, 348 KB).
Where does 1095-C get reported?
Every employee of a large employer who was eligible for health coverage the previous year should receive a Form 1095-C by mail or electronically by mid-March, even if you declined to sign up for your health plan at work. Information on this form will also be reported to the IRS.
How does the health care tax credit affect my tax return?
The credit is “refundable” because, if the amount of the credit is more than the amount of your tax liability, you will receive the difference as a refund. If you owe no tax, you can get the full amount of the credit as a refund.
Where to enter 1095-C on freetaxusa?
Per the IRS, only the 1095-A needs to be entered on the 2023 individual income tax return. If you received a form 1095-B or 1095-C, the information on these forms is not entered on the tax return.
Do I need to report 1095-C on my tax return?
Should I attach Form 1095-A, 1095-B or 1095-C to my tax return? No. Although you may use the information on the forms to help complete your tax return, these forms should not be attached to your return or sent to the IRS. The issuers of the forms are required to send the information to the IRS separately.
Where do I enter 1095-C in TurboTax?
You do not have to enter a 1095-C in TurboTax. You will answer the question in the Health Insurance section that you had health insurance all year and keep a copy of the 1095-C with your tax records. The insurance company will provide the IRS with the needed information.
How does the IRS know I have health insurance?
Members who are enrolled in a Health Net Individual & Family Plan through Covered CA will be mailed a 1095-A form directly from Covered CA. Health Net also sends the information gathered on the Form 1095-B to the IRS and the California State Franchise Tax Board.
Can I ignore 1095-C?
Do I need my Form 1095-C to file my taxes? No, you do not need to send a copy of your 1095-C to the IRS when filing your tax return. However, you should keep the form with your tax records.
How to report health insurance on W2?
The Affordable Care Act requires employers to report the cost of coverage under an employer-sponsored group health plan on an employee's Form W-2, Wage and Tax Statement, in Box 12, using Code DD.
Does a 1095-C affect my refund?
No, the 1095-C form just proves that you had health coverage. It would not affect your refund as long as you answered the Health Insurance questions accurately. You don't need your form 1095-C to file your tax return. TurboTax will ask you questions about your health coverage but your form 1095-C isn't needed.
How can I avoid paying back my premium tax credit?
Report any changes in your income during the year to the Marketplace, so your credit can be adjusted and you can avoid any significant repayments at the end of the year.
Do I need to include 1095-A in my tax return TurboTax?
You need to enter the information from 1095-A into TurboTax, as you won't be able to file Form 8962 and accurately report the Premium Tax Credit without it. You can enter more than one 1095-A in TurboTax if members of your household received individual forms, or if you received more than one.