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FAQs about IRS 1095-C Form

The Patient Protection and Affordable Care Act (ACA) requires that most Americans have health insurance or pay a tax penalty. It also requires that large employers offer affordable health insurance coverage to employees who average 30 or more work hours per week. The 1095-C verifies that you, as a UA employee, worked an average of 30 hours per week and indicates whether you enrolled in the affordable employer-sponsored health insurance the UA offers.  

Timing and Delivery of 1095-C

When will I receive my 1095-C?

For 2017 , the deadline for employers to provide the 1095-C is March 2, 2017. The deadline for future years is January 31.  

How will I receive my 1095-C?

If you would like to receive your 1095-C electronically, visit UAccess Employee. From the UA Employee Main Homepage, select Benefits > 1095-C Consent.  If you do not consent to electronic delivery, your 1095-C will be mailed to your home address listed in UAccess Employee.   

My spouse/domestic partner and/or child(ren) are enrolled as dependents on my UA health insurance. Will they receive separate 1095-Cs?

No. The UA will issue one 1095-C to each eligible employee. The form will show dependent coverage.

I am not enrolled in the UA-provided health insurance. Why did I receive a 1095-C?

The Internal Revenue Service (IRS) requires employers to send the 1095-C to all employees who averaged 30 or more work hours per week, whether or not they actually enrolled in the coverage offered.

Use of 1095-C

Do I need the 1095-C to file my 2016 tax return?

No, for the 2016 tax year, the IRS has stated that taxpayers may file their taxes without waiting to receive the 1095-C. This year’s 1095-C is for your records. File it with your important tax documents for 2016.

If I don’t have to file this form, why is it important?

If you have not yet filed your taxes, the 1095-C may help you complete your tax return. Additionally, UA will be submitting all 1095-Cs to the IRS later this spring. The IRS may use this information for comparison purposes.

Content of the 1095-C

The dollar amount on line 15 of Part II on my Form 1095-C is less than the amount I pay in insurance premiums. Is this a mistake?

The dollar amount listed on line 15 of your Form 1095-C is the lowest monthly premium available at UA for employee-only health coverage. For all employees, the 1095-C will report $20.00. This is the employee-only premium for the Health Savings Account Option plan. You may actually be enrolled in different coverage, or may have enrolled dependents, resulting in a different premium.

What do the codes mean in column 14 of Part II on my Form 1095-C?

These codes provide information about the type of coverage that you were offered each month. You can find an explanation of all of the codes on the back of your 1095-C.

What do the codes mean in column 16 of Part II on my Form 1095-C?

The codes in column 16 indicate whether you enrolled in health insurance coverage, and if you did not, why not. You can find an explanation of all of the codes on the back of your 1095-C. 

Multiple 1095 Forms

Why did I receive more than one 1095-C?

If you worked for an employer other than UA during any part of 2016, you may receive a 1095-C from that employer in addition to the 1095-C you receive from UA. 

Why did I receive a 1095-A?

If you received coverage on the Health Insurance Marketplace for any part of 2016, you will receive a 1095-A. 

Why did I also receive a 1095-B?

If you were enrolled in a fully insured plan for any part of the year, you will also receive a 1095-B. The UA Alternative Plan for employees with domestic partners is a fully insured plan, and therefore, United Healthcare will be providing employees enrolled in that plan with a 1095-B. This is in addition to the 1095-C you will receive from UA. All other UA medical plans are self-funded and do not require that a 1095-B be issued.

To Find More Information

I was enrolled in UA health insurance for only part of 2016. How can I verify the effective date of my coverage?

Visit UAccess Employee and select Self-Service > Benefits > Benefits Summary. The Benefits Summary will show the benefits in which you are enrolled and the date coverage began. You may need to change the date at the top of the screen.

Where can I find more information about the 1095-C?

Additional information on the Form 1095-C and related tax provisions is available on the IRS website at irs.gov/Affordable-Care-Act. You may also contact a tax advisor.

I have a question about my 1095-C and the information provided on it. What should I do?

Please contact the Division of Human Resources at (520) 621-3660 or hrsolutions@email.arizona.edu.


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