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Healthcare

Fill out 1095-C (Employer-Provided Health Insurance Offer and Coverage) online

Form 1095-C is provided by Applicable Large Employers (ALEs) with 50 or more full-time employees to report the health insurance coverage they offered, or did not offer, to each employee. It is used to enforce the employer shared responsibility provision of the Affordable Care Act.

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How to fill out 1095-C (Employer-Provided Health Insurance Offer and Coverage)

1

Enter employee and employer information

Part I identifies the employee (name, SSN, address) and the ALE (name, EIN, contact number, address). Include the plan start month if applicable.

2

Complete the offer and coverage section

Part II reports monthly data for each of the 12 months: the offer of coverage code (line 14), the employee share of the lowest-cost monthly premium for self-only coverage (line 15), and the applicable Section 4980H safe harbor code (line 16).

3

Report covered individuals (if self-insured)

Part III is only completed by self-insured employers. List each individual covered under the plan (employee, spouse, dependents) with their SSN or date of birth and months of coverage.

4

Review and distribute

Verify all codes and amounts are correct. File Copy A with the IRS along with the transmittal Form 1094-C. Furnish Copy B to the employee.

About 1095-C (Employer-Provided Health Insurance Offer and Coverage)

Who needs this form

Applicable Large Employers (those with 50 or more full-time employees, including full-time equivalents) must furnish this form to each full-time employee. Employees use it to determine eligibility for the Premium Tax Credit.

Where to submit

Employers file Copy A with the IRS by the applicable IRS filing deadline for the filing year (paper and electronic deadlines can differ) along with transmittal Form 1094-C. Provide Copy B to employees by the employee or recipient furnishing deadline listed in current official instructions.

Source and content freshness

Official source (www.irs.gov)
  • Reviewed: 2026-02-16
  • Check the latest official form instructions for the filing year that applies to you.
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Using incorrect offer of coverage codes (line 14)
  • Not filing for all full-time employees, including those who declined coverage
  • Confusing the employee required contribution with the total plan premium
  • Missing the furnishing deadline to employees

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Do I need Form 1095-C to file my tax return?
You do not need to attach Form 1095-C to your tax return or wait for it before filing. However, if you purchased Marketplace coverage and want to claim the Premium Tax Credit, the information on this form helps determine your eligibility. If your employer offered affordable, minimum-value coverage, you may not qualify for the credit.

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