Benefits Bulletin 01 29 18

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IRS Form 1095-C
Frequently Asked Questions (FAQs) for Tax Year 2017

Benefits-eligible employees will receive a 1095 form, which will contain detailed information about their health care coverage.

It is important to keep the 1095 form for your records, but it is strictly informational and does not need to be attached to your income tax return.

We have created this FAQ to provide a better understanding of the form and what to do if you receive one.

What is Form 1095-C and why did I receive it?

Form 1095-C was introduced under the Affordable Care Act (ACA) and contains information about the health care coverage offered to you and your dependents by your employer. A 1095 form is a bit like a W-2 Form. Arlington Public Schools (APS) sends one copy to the Internal Revenue Service (IRS) and one copy to you.

A W-2 Form reports your annual earnings. A 1095 Form reports your health care coverage throughout the year. Think of the form as your “proof of insurance” for the IRS. You do not need this form to file your tax return.

The 1095 form will show that you and your family members either did or did not have health coverage during each month of the past year. Because of the Affordable Care Act, every person must obtain health insurance or pay a penalty to the IRS.

If you were enrolled in one of the APS medical plans, or worked an average of 30 or more hours per week, or were considered a full-time employee at any point in 2017, then you should receive a Form 1095-C. Even if you declined to enroll in a health plan offered through APS, you will still receive a Form 1095-C.

When will I receive my Form 1095-C?

On December 22, 2017, the IRS extended the due date for the 2017 Form 1095-C reporting requirements. The deadline for issuing Form 1095-C to employees has moved from January 31, 2018 to March 2, 2018. You should receive your 2017 Form 1095-C prior to the revised March 2, 2018 deadline.

If you believe you should have received a Form 1095-C but did not, please contact the Benefits Department at benefits@apsva.us, or call 703-228-2881.

I thought the Affordable Care Act was being repealed. Do I still need this form?

The Affordable Care Act was in effect for the entire year of 2017. IRS tax forms will still require you to report whether or not you had health coverage in 2017.

Why did I receive a Form 1095-B from Kaiser Permanente?

If you were enrolled with Kaiser Permanente coverage through APS, you will also receive a Form 1095-B directly from Kaiser Permanente. Form 1095-B form lists individuals in your family who were enrolled in your Kaiser Permanente coverage and shows their months of coverage.

Can I file my 2017 taxes prior to receiving Form 1095-C?

Taxpayers do not need to wait until they receive a Form 1095-C before they file their taxes. Taxpayers comply with filing requirements by simply checking a box on the Form 1040 that they (and their dependents, if applicable) had coverage for the year. In addition, you do not need to submit a copy of your Form 1095-C with your tax return.

Will I receive a form 1095-C?

A Form 1095-C will be sent to employees who were:

  • Enrolled in medical coverage through APS for any month in 2017, or
  • Considered a full time employee (worked an average of 130 hours or more per month) and eligible for APS medical coverage for any month in 2017, including those persons who declined/waived coverage.

Why didn’t I get a Form 1095-C?

If you did not fall into one of the eligible categories outlined above, APS will not send you a Form 1095-C. You also will not receive a Form 1095-C if you were only covered as a dependent and not the primary subscriber.

Why did I get more than one Form 1095-C?

If you worked for more than one employer during 2017 you may receive a Form 1095-C from each employer. For example, if you changed jobs in 2017 and were eligible for and/or enrolled in coverage with both employers, you may receive a Form 1095-C from each employer.

What should I do with my Form 1095-C?

Keep it for your tax records. You don’t actually need this form in order to file your taxes, but when you do file, you’ll have to tell the IRS whether or not you had health insurance for each month of 2017.

Form 1095-B (from Kaiser Permanente) or Form 1095-C (from APS) show if you had health insurance through your employer. Since you don’t actually need this form to file your taxes, you don’t have to wait to receive it if you already know what months you had health insurance in 2017. When you do get the form, keep it with your other 2017 tax information in case you should need it in the future to help prove you had health insurance.

Please consult your tax professional if you have questions about filing your tax return.

Can I obtain an electronic copy of my Form 1095-C?

Electronic copies are not available for 2017. You will receive a paper copy of the form mailed to your home address.

How can I obtain another copy of my Form 1095-C?

All requests must be in writing and sent to benefits@apsva.us. Insert “1095-C Duplicate Request” in the subject header. Remember, you DO NOT need the form to file your tax return.

What if I have additional questions?

If you have additional questions about your Form 1095-C, please contact the APS Benefits Department at benefits@apsva.us, or call 703-228-2881.

An IRS website called https://www.irs.gov/affordable-care-act/individuals-and-families/the-affordable-care-act-whats-trending provides additional information that you may find helpful.