Employee questions about the 1095 tax forms:
- What is this form I am receiving?
A 1095 form is a little bit like a W-2 form. Your employer or insurer sends one copy to the Internal Revenue Service (IRS) and one copy to you. A W-2 form reports your annual earnings. A 1095 form reports your health care coverage throughout the year. You can also see this form in your Employee Self Service (ESS) portal.
- Who is sending it to me, when, and how?
Your employer and health insurance company should send one to you either by mail or in person. You should receive it by March 31, 2023.
The City of Springfield will send to you a 1095-C form; this will not have your policy number on it.
Your health insurance company through the GIC will send out a 1095-B; use this form for your tax returns!
- Why are you sending it to me?
The 1095-B form will show that you and your family members either did or did not have health coverage during each month of the past year. The 1095-C form will list your dependents and the months they were covered. Because of the Affordable Care Act, every person must obtain health insurance or pay a penalty to the IRS.
- What am I supposed to do with this form?
Keep it for your tax records. You need the 1095-B or 1099-HC form in order to file your taxes. The forms 1095-B, 1095-C, and 1099-HC show if you had health insurance throughout the year.
*You DO NOT actually need the 1095-C form (from the City of Springfield) to file your taxes, so you don't have to wait to receive it. When you do get the form, keep it with your other 2022 tax information in case you should need it in the future to help prove you had health insurance.
- What if I get more than one 1095 form?
Someone who had health insurance through more than one employer during the year may receive a 1095-B or 1095-C from each employer. Some employees may receive a Form 1095-A and/or 1095-B reporting specific health coverage details. Just keep these, you do not need to send them in with your 2022 taxes.
- What if I did not get a Form 1095-B or a 1095-C or if I have additional questions?
If you believe you should have received a 1095-C but did not, contact the Insurance Department by phone at 413-787-6055. If you should have received a 1095-B, please contact your insurance provider.