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Form 1095C for ACA

Form 1095-C contains detailed information about UC health care coverage eligibility and enrollment.  It is important to keep the form for your records.

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Frequently Asked Questions

What is Form 1095-C?

  • Form 1095-C is required under the Affordable Care Act (ACA).  It contains detailed information about the medical coverage offered to you and your dependents by the University of Cincinnati. Think of the form as your “proof of insurance” for the IRS.
  • If you were enrolled in a UC medical plan, worked an average of 30 or more hours per week, or were considered a full-time employee during the calendar year, then you should receive Form 1095-C.

Will I receive a form 1095-C?

  • A Form 1095-C will be sent to employees who are:
    • Enrolled in medical coverage through UC, or
    • Considered full time employees and eligible for UC medical coverage at any point during the calendar year including those persons who declined/waived coverage.

Why did I get a Form 1095-C?

  • UC is required to send the form to individuals who meet the eligibility criteria as part of its reporting obligations under the ACA.  

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

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

Why didn't I get a Form 1095-C?

  • If you did not fall into one of the eligible categories outlined above, UC 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.

What do I do with Form 1095-C?

  • You do not need to submit a copy of your Form 1095-C form with your tax return.  In fact, most people will only have to check a box on their tax return stating that they (and their dependents, if applicable) were covered by their employer.
  • Please consult your tax advisor if you have questions about filing your tax return.

What information is on Form 1095-C?

  • There are three parts to the form:
    • Part I (Lines 1-13) includes information about you and your employer.
    • Part II (Lines 14-16) reports information about the coverage offered to you by UC, the affordability of the coverage offered, and the reason why you were or were not offered coverage.
    • Part III (Lines 17-22) reports information about the individuals covered under your plan.   Please note:
      • A date of birth will be entered in column (c) only if the dependent’s SSN has NOT been entered in UCFlex via ESS.
      • Column (d) will be checked if the individual was covered in all twelve months of current year.
      • If there are more than six covered individuals, see the additional covered individuals on Part III, Continuation Sheet(s). 

See setion on Parts II and III for additional information.

When will I receive my Form 1095-C? (2016)

  • If you are eligible to receive a Form 1095-C, your form will be MAILED via USPS on or before the date established by the IRS.    

Will Form 1095-C be mailed with my Form W-2? (2017)

  • No.  You will receive the Form 1095-C in a separate mailing.   

Is it accessible on ESS (like my Form W-2)?

  • Electronic copies of the form are not available via ESS. 

Are electronic copies available?

  • Electronic copies are not available. You will receive a PAPER copy of the form.

Both my spouse and I work for UC and are covered under a family medical plan.  I am the primary subscriber. Will we both receive Form 1095-C?

  • You will receive a 1095-C as the primary subscriber.  The form will include the names of all family members covered under the plan including your spouse.
  • You spouse will also receive a Form 1095-C if he/he was eligible for coverage and waived it.

Both my spouse and I work for UC and each of us is covered under an employee only plan. Will we each receive a Form 1095-C?

  • Yes, you will each receive a Form 1095-C.

Should my spouse and covered dependents receive their own copies?

  • Generally, no.  Form 1095-Cs are only required to be provided to full-time employees.  However, in some instances, a spouse and/or dependent may receive his/her own copy of Form 1095-C if he/she independently enrolls in COBRA coverage (e.g., in the case of a divorce).
  • The form is issued in the name of the primary subscriber.  All covered dependents’ names are listed on the form in Part 3.

My son was covered as a dependent through August and then obtained his own coverage in a non-UC plan.  Will this information be reflected on my Form 1095-C?

  • Yes, refer to Part III, covered individuals.

I was divorced in May and removed my spouse and stepchildren from my plan on May 31.  Will this information be reflected on my Form 1095-C?

  • Yes, refer to Part III, covered individuals.

I got married in June and added my spouse to my medical coverage.  Will this information be reflected on my Form 1095-C?

  • Yes, refer to Part III, covered individuals.

I was hired in July and my coverage was effective on September 1.  Will this information be reflected on my Form 1095-C?

  • Yes.

How will the information reported on the Form 1095-C impact my taxes?

  • Please consult with your tax advisor if you have questions about how the information reported on the 1095-C will impact your federal tax return and taxes.

Do I need both my Form 1095-C and my Form W-2 to file my tax returns?

  • No.

What should I do with my Form 1095-C?

  • If you prepare your own tax returns, you should keep your Form 1095-C in a file with your other tax documents. Form 1095-C should remain in your files.
  • You do not need to attach the form to your tax return.

Is the information on my Form 1095-C reported to the IRS?

  • Yes.

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