[leglock]

Hopefully a fellow forum member can provide info regarding form 1095 C (not B) regarding an employer with over 50 employees:

1. Regarding my employer provided health insurance, if I am the primary and not my spouse, will my spouse’s name be listed anywhere on 1095C?

2. Is there any form my spouse will receive regarding health insurance (she is covered under my plan from my employer)?

Thank you for any assistance.

[Anonymous]

1. Yes. Form: https://www.irs.gov/pub/irs-pdf/f1095c.pdf Starting in Box 17, it will list the individuals (including your spouse, in your case) who were covered.

2. I don't believe your spouse will receive any form directly addressed to her, but will be listed on your form that you receive.

[Chantel]

Your wife won't be listed on the 1095-C you receive from your employer unless the business has self-funded insurance. She will be included on the 1095-B provided by the insurance company that list all covered individuals.

F - F ('12), 90 (Dec '15)
A - F ('12), 73 (Feb '16), ? (July '16)
R - 87 (May '16)
B -

[Anonymous]

doesnt really matter, both forms 1095-B & 1095-C can be ignored. they are strictly informational for 2015 tax year. 1095-A is the form where Premium Tax Credit comes into play.

1095-B & 1095-C should enable you to check the Form 1040 Line 61 Full-Year coverage Box, thats it,

[leglock]

Arggh, somewhat conflicting answers.

@eesti, i assumed 1095 b and c would enable someone to check the full year coverage box; however, if the spouse isn't specifically listed, then it made me wonder about checking that box without her name listed on the B or C.

That's why I was seeking clarity on whether the spouse's name should be shown on the 1095 C.

I also thought if your company is over 50 employees, you will get a 1095 C from your empoloyer, otherwise, you will get a 1095 B from your insurance company.

[Missy]

If your employer has over 50 employees you will get a 1095C from the employer whether you do or do not enroll in their health insurance so long as it was offered to you. If you look at part III you'll see right there the employer only lists covered individuals if they are self insured (in which case the 1095-C becomes a combined form B and C).

1095B is from the insurance company and you should get it even if you get a 1095-C from your employer. They're not mutually exclusive. That's where you will see your spouse listed. (It is the insurance company responsible to maintain records of who is covered, not the employer, thus the requirement that the insurance company details covered individuals)

1095-A is only used if you acquired insurance through the marketplace. Never for employer offered plans.

Licensed Massachusetts Non Reporting CPA since 2012
Finance/Admin/HR Manager

[leglock]

@mla, thank you for that explanation. I think what's leading me astray is that I called the company that handles our payroll (they are probably the number one or number two largest payroll service provider) and initially inquired about the 1095 b vs. 1095 c. What they told me is that because of our size (we are a company of over 50), we will receive a 1095 c only and will not be sent a 1095 b. I accepted that answer, and then when I received my 1095 c, there was no spouse listed, so it got me thinking about that. I never received a 1095 b. I called my brother who also works for a very large employer and he only received a 1095 c and no 1095 b. It seems like there is a lot of confusing info about this, as all of us on this thread have different information.

My thought process is that worst case scenario, it's my wife's problem not mine, so if the IRS comes callin, she can deal with it. I've always been a good problem solver.

[Missy]

Well the payroll company would only send the 1095-C. They're not the insurance company and they certainly don't know what an insurance company sends (in fact they don't even have the names of who's covered). If you have a large insurance company there's likely an online portal where you can retrieve it. It's really nobody's problem if you had a preparer doing your taxes they'd only ask if you could prove you both had insurance all year. As long as you're confident you did there's really no need to have the form.

Licensed Massachusetts Non Reporting CPA since 2012
Finance/Admin/HR Manager

[Author]

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