What the heck is a Form 1095-C?!

This month, Form 1095-C will be mailed to all employees, including our travelers out in the field. Before you panic, take a quick look at the facts below so you know what a you’ll be getting and what you need to do with it.

The quick facts:

• Every employee will receive a 1095-C, even if they were not enrolled in trustaff’s medical benefits
• The form shows that medical insurance was available to you during your employment and when it was available
• The Form 1095-C does not need to be filed with your tax return; simply save it with your tax records

Below is an example of what a Form 1095-C looks like:

What is the 1095-C?

The Affordable Care Act requires that applicable large employers (like trustaff) send out 1095-C forms to any employee that worked in the past year. If you worked for trustaff in the past year, you will receive this form, regardless of whether or not you were enrolled in our medical insurance. The form will list information including ACA codes and dollar amounts regardless of whether or not you were enrolled in our medical insurance.

Will I get a form 1095-C?

• You will receive a Form 1095-C if you were a full-time employee working for any applicable large employer last year. An applicable larger employer is generally an employer with 50 or more full-time employees, including full-time equivalent employees.
• Even if you were not a full-time employee, you will receive form 1095-C if your employer offered self-insured coverage and you or a family member enrolled in that coverage.
• You might get more than one Form 1095-C if you worked for more than one qualifying employer last year.

What do I do with my 1095-C?

• If you enrolled in a health plan through the Marketplace, the information in Part II of Form 1095-C could help determine if you’re eligible for the premium tax credit. If you did not enroll in a health plan through the Marketplace, this information is not relevant to you.
• If there is information in Part III of Form 1095-C, review this information to determine if there are months when you or your family members did not have coverage. If there are months you did not have coverage, you should determine if you qualify for an exemption from the requirement to have coverage. If not, you must make an individual shared responsibility payment.
• You are not required to file a tax return solely because you received a Form 1095-C if you are otherwise not required to file a tax return.
• Do not attach Form 1095-C to your tax return – keep it with your tax records.

What if I don’t have my 1095-C?

• You might not receive a Form 1095-C by the time you are ready to file your tax return, and it is not necessary to wait for it to file.
• The information on these forms may assist in preparing a return. However, you can prepare and file your return using other information about your health insurance.
• The IRS does not issue and cannot provide you with your Form 1095-C. For questions about your Form 1095-C, trustaff’s Benefits department at benefits@trustaff.com.

For more information on 1095 Forms and what you can expect, please visit the IRS website: