Understanding Form 1095-C and How to Respond to Incorrect Information

Understanding Form 1095-C and How to Respond to Incorrect Information

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Form 1095-C: Employer-Provided Health Insurance Offer and Coverage

Form 1095-C is a tax form issued by employers to employees who have been offered health insurance coverage through their workplace. This form provides information about the health insurance plans offered, the coverage provided, and the cost of the coverage. It is an essential document when it comes to ACA insurance and can impact your tax situation.

What to do if you Receive an Incorrect Form 1095-C

If you receive a Form 1095-C that contains incorrect information, it is important to contact your employer immediately. They are responsible for correcting any errors on the form. If your employer refuses to correct the form, you can contact the insurance carrier to obtain a corrected form.

Understanding Form 1095-C

Form 1095-C contains several important sections.

Part I: Employer Information – This section includes the employer’s name, address, and contact information.
Part II: Offer of Coverage – This section indicates whether or not the employer offered you health insurance coverage during the year.
Part III: Coverage Information – This section provides details about the health insurance plan you were offered, including the type of plan, the coverage period, and the premium amount.
Part IV: Individual Information – This section includes your name, address, and Social Security number.

Incorrect Information on Form 1095-C

There are several reasons why you may receive an incorrect Form 1095-C. These reasons could include:

The employer may have made a mistake when filling out the form.
The employer may have changed their health insurance plan during the year.
You may have changed jobs during the year.
You may have had a change in your family situation.

Consequences of Incorrect Information on Form 1095-C

Incorrect information on Form 1095-C can have several consequences. These consequences can include:

You may receive a higher or lower premium tax credit than you are entitled to.
You may be penalized for not having health insurance.
You may be denied coverage under a health insurance plan.


Form 1095-C is an important tax form that can impact your tax situation. If you receive an incorrect Form 1095-C, it is important to contact your employer or insurance carrier immediately. Do not try to correct the form yourself, as this can lead to further errors. It’s advisable to seek professional help from an ACA licensed agent for guidance on how to handle the situation and ensure the accuracy of your form.

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