What’s the difference between Forms 1095-A, 1095-B and 1095-C? Do I need them to file my income tax return?
Form 1095 is an IRS (Internal Revenue Service) form used to report information about your health insurance coverage. These forms are issued annually. However, the version of Form 1095 that applies to you depends on the kind of HealthPartners plan you have:
- 1095-A – If you purchased HealthPartners individual or family health insurance through MNsure (Minnesota) or HealthCare.gov (Wisconsin), you’ll get Form 1095-A.
MNsure orHealthCare.gov will automatically send your 1095-A by January 31. Your 1095-A includes important information regarding tax credits you may have received or been entitled to during the previous year. You’ll normally need your 1095-A before you can prepare and file your tax returns. - 1095-B – If you purchased HealthPartners individual or family health insurance directly from us, or you’re enrolled in a fully insured group plan from HealthPartners through your employer, Form 1095-B applies to you. HealthPartners issues your 1095-B, and it includes information regarding your previous-year coverage. But because this form typically isn’t needed to prepare or file your tax returns, we won’t send it to you unless you specifically
request your Form 1095-B . - 1095-C – If you’re enrolled in a self-insured group plan from HealthPartners through your employer, you’ll get Form 1095-C. Your employer will automatically send your 1095-C by January 31, and it includes information regarding your previous-year coverage. However, your 1095-C usually isn’t needed to prepare or file your tax returns.
Health insurance through your employer that’s fully insured means your employer purchased a HealthPartners group insurance plan for employees like you. We process your plan’s claims and pay claim expenses.
Health insurance through your employer that’s self-insured means your employer delegated administration of their employee group insurance plan to HealthPartners. We process your plan’s claims, but your employer pays claim expenses.
To see whether your HealthPartners insurance through work is fully insured or self-insured, you can:
- Look at the back of your HealthPartners member ID card.
- If you see “Offered by HealthPartners, Inc.” or “Offered by HealthPartners Insurance Company,” your plan is fully insured. You can
request your 1095-B from HealthPartners. - If you see “Administered by HealthPartners Administrators,” your plan is self-insured. Your employer will send your 1095-C.
- If you see “Offered by HealthPartners, Inc.” or “Offered by HealthPartners Insurance Company,” your plan is fully insured. You can
Sign in to your HealthPartners account to review the summary plan description (SPD) or contract for your plan. You can alsorequest your plan documents .- Ask your employer.
Contact Member Services .
How do I get my 2024 Form 1095?
Legal information
The information on this webpage is for informational purposes only and should not be considered tax advice. For questions regarding your specific tax situation, consult a tax professional.