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 or HealthCare.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 request it.
  • 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.
  • Sign in to your HealthPartners account to review the summary plan description (SPD) or contract for your plan. You can also request your plan documents.
  • Ask your employer.
  • Contact Member Services.
How do I get my Form 1095?

If you don’t receive your Form 1095-A automatically, inquire with the marketplace you purchased your individual or family HealthPartners plan through:

HealthPartners is unable to assist you with your Form 1095-A. We apologize for any inconvenience.

HealthPartners can provide your Form 1095-B if you’ve purchased an individual or family plan directly through us or you’re enrolled in a fully insured HealthPartners group plan through your employer.

We don’t send these forms automatically because the information on it typically isn’t needed to file a tax return or determine tax liability. If you’d like a copy of your 1095-B, please contact Member Services.

Within 30 days of receiving your request, we’ll send your Form 1095-B via U.S. mail.

Your employer issues your Form 1095-C for the self-insured HealthPartners group plan you’re enrolled in through your employer. If you don’t receive your Form 1095-C automatically, contact your employer.

HealthPartners is unable to assist you with your Form 1095-C. We apologize for any inconvenience.
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.