The Affordable Care Act (ACA) includes a requirement that certain employers report to the IRS on the health coverage, if any, offered to their employees. Form 1095-C provides both you and the IRS information about the health insurance coverage offered to you and, if applicable, your covered family members.
The state will provide you a 1095-C if you were full-time or received health coverage through your state employment at any point during the previous tax year.
Keep this form with your tax documents. You do not submit the form as a part of your personal income tax filing. However, your tax preparer may request a copy.
You have two options: you may choose to receive it electronically or in paper form.
Contact your HR office if you need help accessing Self Service.
Paper 1095-Cs will be mailed in early February, no later than March 2.
If you requested an electronic 1095-C, it will be available in early February, no later than March 2. We will post a notice on our website when they are available.
The form instructs individual to not attach the form with their tax return but to keep it for their records. The IRS has also posted information on their website that states the 1095-C may assist individuals in preparing a return. For more information see the IRS FAQs.
Employees of entities that are not a state agency but participate in the state’s employee insurance program (also known as IBUs) will receive their 1095-C from their employer. The 1095 reporting regulations require employers to provide the form to their employees and do not allow MMB to report for non-state agencies. Contact your HR/Payroll office to find out when and how they will distribute the 1095 to their employees.
No. Only you will receive the 1095-C. We will not provide a separate form to others covered on your plan, even those who do not reside with you. As the recipient of the form, you should provide a copy to any of these individuals if they request it for their records.
Contact SEGIP at 651-355-0100 or firstname.lastname@example.org. Include your name, employee ID number, a phone number or email address where you can be reached, confirm your mailing address, and state that you want a replacement 1095-C. You will be mailed a replacement.
If you were not full-time or did not receive health coverage through SEGIP during any month of the calendar year you will not receive a 1095-C. You will receive a Form only if you were full-time or received health coverage through your state employment at any point during the previous tax year.
If you did not receive a form, and believe that you should have, contact SEGIP at 651-355-0100 or email@example.com. Include your name, employee ID, a phone number or email address where you can be reached, and explain why you think you should receive a form.
A copy of your form will be sent to the IRS as required by law.
If you still think that there may be an error, contact SEGIP at 651-355-0100 or email at firstname.lastname@example.org. We will need your name, employee ID number, confirmation of your mailing address, and a phone number or email address where you can be reached. Please explain what information you think is wrong and why. We will research the issue and contact you.
Line 15 displays the employee’s share of the monthly premium for single coverage offered through SEGIP. This is required even if it does not match what you actually pay. For example, if you have family coverage the amount displayed on Line 15 will still be the employee share of the cost of single coverage and not the cost of family coverage.
Generally, an offer of COBRA continuation coverage due to termination of employment is not reported as an offer of coverage on Part II of 1095-C, unless you actually enrolled in the COBRA coverage.
If you were offered COBRA due to a reduction in hours you will still receive a form and the COBRA offer will be included.
Yes, if you received coverage through your state employment. The regulations require the state to provide a form to everyone who receives coverage, even if they are not an active employee.
No. Age 65 and older retirees who are on Medicare will receive a form from Medicare. The state’s coverage supplements Medicare and so a form is not required.
If you are a state employee who is age 65 or older and enrolled in the state’s active employee plan you will receive a form from SEGIP.
Yes. The State offers a self-insured group health plan for employees, which meets the federal definition of minimum essential coverage.
This is important because most individuals who do not have minimum essential coverage or an exemption for each month of the year will need to make a payment with their tax return.
Yes, the State’s plan meets the minimum value standard. This means that it’s designed to pay at least 60 percent of the total cost of medical services.
Yes. Coverage is considered affordable if the employee’s cost for employee-only coverage does not exceed 9.56 percent of an employee's household income. The full employer contribution health coverage provided by the State meets this standard.
No. There is no requirement to report on stand-alone dental coverage so you will not receive a form for dental coverage.
Yes. As required by law, your 1095-C will include SSNs. SSNs on the form you receive will be truncated (meaning the first five numbers will be displayed as an asterisk). By law, we are required to send the IRS a copy of your form that displays the full SSN for both you and any other individual included on your coverage.
Yes, there are three versions:
You may receive multiple 1095s if you worked for multiple large employers or received coverage from multiple providers during the tax year.
Completion of the 1095-C for the state did not require the use of all the codes. These are the codes we used and their definitions:
A full set of these codes is available here.