Lost or Missing 1095
If you still have not received a 1095 form or threw it out by accident, contact your insurance company or the government exchange in your state or your employer.
Individuals can also access them online through the federal or state marketplace where the coverage was purchased from, said Noah Lang, CEO of Stride Health, the San Francisco health insurance exchange company.
“If you can’t find your 1095 or your state exchange doesn’t offer it online, call your marketplace directly and ask for it,” he said. “Some state exchanges have experienced delays in reporting in the past.”
The form is merely a reference document to help taxpayers determine whether or not to check the full coverage box on their tax form, said Amanda Lannert, CEO of Jellyvision, a Chicago employee benefits communication technology.
“The 1095 seems confusing, but really it’s just a proof of insurance document meant to help employees know for sure whether or not to check one box on their 1040,” she said. “The better companies can get that across, the fewer freak-outs they’ll be dealing with the next few months."
The form does not have to be mailed with a tax return, just as many other tax-related forms aren't sent with a return, said Rob Butler, CEO of Maestro Health, a Chicago-based employee health and benefits company.
“We assume the IRS will electronically match forms against tax returns, just as they do with other forms such as a W-2 or 1099,” he said. “But in this case, they will look for a lack of supporting forms for tax filers who claim to have had qualifying coverage.”
If you have not received the form yet, there is no need for alarm because the IRS extended the deadlines for insurers and employers to furnish the document to March 31, said Miraglia-King.
Receiving more than one form is not unusual. Some consumers will receive a 1095-C from their employer and a 1095-B from the insurance carrier, she said.
“If an individual switched coverage during the calendar year, he or she will receive a 1095-B for each plan,” said Miraglia-King.