What if 1095-C is wrong?

Asked by: Kurt Wyman  |  Last update: June 27, 2025
Score: 4.4/5 (22 votes)

If correcting information on a Form 1095-C that was previously filed with the IRS, file a fully completed Form 1095-C including the correct information and enter an “X” in the “CORRECTED” checkbox. File a Form 1094-C (do not mark the “CORRECTED” checkbox on Form 1094-C) with corrected Form(s) 1095-C.

What is the penalty for incorrect 1095-C?

$280: Failure to provide a correct 1095-C to the employee.

Can a 1095-C be amended?

If you need to make a change to the Form 1095-C information, you do so on the original records, either by rerunning the build processes or by manually adjusting the records. If the Form 1095-C has been printed and the paper form distributed to the employee, you reprint the original record.

Does 1095-C matter for taxes?

Although information from the Form 1095-C – information about an offer of employer provided coverage - can assist you in determining eligibility for the premium tax credit, it is not necessary to have Form 1095-C to file your return.

What if my 1095-A form is wrong?

If you believe your Form 1095-A is incorrect, you should contact the state or federal Marketplace from which you received coverage. The Marketplace may need to send you a corrected Form 1095-A.

Top 1095-C Mistakes Employers Make (and How to Prevent Them!)

19 related questions found

What if my 1095-C is incorrect?

If any information on your 1095-C Form is incorrect, please call the number on your form. You will be provided with a corrected 1095-C Form as needed. Who Received a Copy of This Notice? Keeping your personal data secure is a top priority for your employer.

How do I correct a 1095-C form?

Form 1095-C.

If correcting information on a Form 1095-C that was previously filed with the IRS, file a fully completed Form 1095-C, including the correct information and enter an “X” in the “CORRECTED” checkbox.

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.

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 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.

How to void a 1095-C?

To void out your 1095-C, please complete the following steps for the affected forms:
  1. Line 14 needs to show Code 1H (No Offer of coverage) in “All 12 Months”
  2. Line 15 must be blank since there was no 'Offer of Coverage'
  3. Line 16 needs to show 2A (Employee not employed during the month)” in “All 12 Months”

Who is responsible for 1095-C?

You will receive a 1095-C from your employer(s) who provided you medical coverage during the tax year.

Can I add my 1095-C after filing taxes?

No. Forms 1095-B and 1095-C are for your records only, as the IRS doesn't need any details from them.

Do I need to amend my tax return for 1095-C?

You do not need to attach the form to your tax filing. 3. Retain your Form 1095-C for your records. If you have already filed your tax return, confirm the information you reported on your taxes regarding your health coverage matches the information provided on the form.

How do I avoid 1095 penalty?

If you want to avoid the California insurance penalty, you must enroll in a qualified health plan or qualify for an exemption.
  1. Enroll in a Qualified Health Plan. Qualified health plans meet specific standards and MEC requirements. ...
  2. Have a Valid Exemption. You may be exempt from paying a tax penalty in a few circumstances.

Are 1095-C still required?

Form 1095 Distribution – Effective for the 2024 reporting year, employers are no longer required to distribute Form 1095-C to all full-time employees (and plan sponsors of self-insured plans do not have to distribute Form 1095-B to individuals[2]). Instead, these forms only need to be provided upon request.

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.

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.

Can you leave line 16 blank in 1095C?

If no code is applicable for a given month, line 16 should be left blank. For more information about using line 16, see the Instructions for Forms 1094-C and 1095-C.

Does a 1095-C mean I owe money?

What is Form 1095-C? A1: The IRS will use the information provided on Form 1095-C to administer the Employer Shared Responsibility provisions of the Affordable Care Act (“ACA”). Under the ACA, WHOI must offer health insurance coverage to certain eligible employees or they could be required to pay a penalty to the IRS.

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.

What if I forgot to add 1095-C to my tax return?

In addition to filing your W-2, the IRS requires reporting of health insurance coverage information for the 2022 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 1095-C is wrong?

Furnish corrected Forms 1095-C to affected individuals as soon as practicable. The IRS penalty for failing to provide a correct employee statement is $100 for each incorrect statement. The total penalty for a calendar year is not to exceed $1,500,000.

Is 1095-C important?

You may need this form if you were offered health coverage by your employer and you did not sign up for it. If you signed up for Marketplace coverage instead and received a premium tax credit in 2024, information on Form 1095-C will help you determine whether you were eligible for the tax credit.

How do I correct a 1099 C?

If Your 1099-C Form is Incorrect Here's What to Do
  1. Contact the issuer. Whether it was a bank, a credit card company, or a private lender, get in touch with the issuing party right away to determine how they came up with the figure reported on the form. ...
  2. Head to a local branch. ...
  3. Request a new form.