TSS - What is Form 1095-C and 1099-HC?

What is Form 1095-C and 1099-HC?

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First Published  :Wed Dec 09 16:29:37 GMT 2015
Last Modified  :Thu Mar 24 17:32:58 GMT 2022
Last Published  :Thu Mar 24 17:32:58 GMT 2022
Summary :  Describes the form in conjunction with the Affordable Care Act


Primary Information

    The Affordable Care Act (ACA) requires that employers offering employer-sponsored self-insured health coverage provide all benefits eligible (including those eligible through the ACA guidelines) employees with a Form 1095-C.   The 1095-C Form is to report information to the IRS and to employees who have minimum essential coverage under the employer plan and have met the individual shared responsibility requirement for the months that they are covered under the plan.

    You do not need to have a copy of your 1095-C in order to file your taxes.

    Proof of Health Insurance for FEDERAL Taxes:  1095-C
    Each year when you prepare to file your annual federal income tax return, the Internal Revenue Service (IRS) requests that you provide information about your health insurance coverage for the previous year.  Failure to provide this information can result in IRS penalties.  The university provides this information on form 1095-C.
    If you would like to download this form electronically, please follow the steps below to provide your consent:

    Step One:              By December 31, login to Tufts University eServe
    Step Two:              Select “Benefits Information” and “1095-C Consent” to receive your 1095-C tax form electronically. 
    Your 1095-C will be available for download sometime in March. If you do not provide consent to receive your 1095-C electronically, it will be mailed to your home address listed in eServe.   

    Proof of Insurance for STATE Taxes:  1099-HC
    The Commonwealth of Massachusetts also requires that you provide proof of insurance for the previous year.  The health insurance provides this information on form 1099-HC.

    tep One:              Go to https://tuftshealthplan.com/microsites/tufts-university and login. 
    Step Two:              Select “View/Update your Tax information" under the ‘What would you like to do’ section. 
    Who to Call for Assistance
    • If you need help accessing your eServe account, please contact the Tufts Technology Services at (617) 627-3376 or via email at it@tufts.edu.
    • If you are enrolled in a Tufts University Health Plan and have a form 1099-HC question, please contact Tufts Health Plan at (844) 516-5790.
    • Any other questions, please contact Tufts Support Services at (617) 627-7000 or via email at tss@tufts.edu.
    Postdoctoral Scholars employed at Tufts:  Postdoctoral Scholars receive health coverage (if enrolled) through BlueCross/Blue Shield administered by the Student Advisory & Health Administration Office. The Blue Cross/BlueShield Insurance coverage is a fully insured health plan versus a self-insured health plan. Fully-insured health plans participants receive a Form 1095-B (Federal filing) and 1099-HC (State filing) directly from the insurance carrier versus a Form 1095-C from Tufts University. 

    Students:  Students enrolled in the UnitedHealthCare StudentResources Coverage underwritten by HPHC will receive a 1095-B for Federal tax filling and a 1099-HC for MA state tax filing from UnitedHealthCare (not from Tufts University). They can call 1-888-224-4752 if another copy of either form is needed.

    Under Age 65 Retirees:
    1095Cs are sent out by Tufts University 
    Over Age 65 Retirees: They are excluded from the requirement. Questions can be directed to the Health Care provider. Contact the provider directly or ViaBenefits if you need to know who the provider is.

    Employees on COBRA: 1095Cs are sent out by Tufts University 

Related Information



    1099HC, ACA