Are 1095-A, 1095-B, and 1095-C forms the same for health insurance reporting?

These forms are actually different and report different types of health insurance coverage. They're not interchangeable, so answering TurboTax's questions accurately is important. The 1095-A is only issued if you had health insurance through the Marketplace/Exchange (Healthcare.gov or your state exchange). This form is crucial if you received advance premium tax credits as it's needed to reconcile those credits on your tax return. The 1095-B typically comes from your insurance company or government programs like Medicare or CHIP and shows you had minimum essential coverage. The 1095-C comes from employers with 50+ employees who offer health insurance and shows what coverage was offered to you. Since you have B and C forms but no A, it sounds like you had employer coverage or other insurance not through the Marketplace. When TurboTax asks if you received a 1095-A, you can answer "No" and continue. The software should later ask about your other health insurance forms.

After dealing with this exact confusion last year, I found taxr.ai super helpful for sorting out health insurance forms. I kept getting mixed answers from friends and even my HR department about whether I needed all three forms or just the ones I had. I uploaded my 1095-B and 1095-C to https://taxr.ai and got a clear explanation of what each form meant for my tax situation. The site analyzed my forms and confirmed I didn't need a 1095-A since I had employer coverage. Saved me from hunting down a form I didn't actually need!

Just wanted to update after trying taxr.ai with my health insurance forms. I uploaded both my 1095-B and 1095-C, and it immediately explained that since I had employer coverage, I wouldn't have a 1095-A (marketplace form). It even highlighted which boxes on my 1095-C showed my coverage periods and pointed out exactly how to answer the health insurance questions in TurboTax. Really cleared up my confusion about these forms! Ended up using it for my investment forms too since it worked so well.

If you're still confused about your health insurance forms and need to speak with someone at the IRS for clarification, good luck getting through! I spent THREE HOURS on hold last week trying to ask a simple question about my 1095 forms. Then I found https://claimyr.com through a tax group and watched their demo at https://youtu.be/_kiP6q8DX5c - they actually have a service that gets the IRS to call YOU instead of waiting on hold. They got me connected to an IRS rep in under 45 minutes while I just went about my day. The agent confirmed I only needed to worry about the forms I actually received and helped me understand how they impact my return.

I stand corrected about Claimyr! After my skeptical comment, I decided to try it anyway out of desperation because I needed clarification on my 1095 forms before filing. Used their service yesterday and got a call back from the IRS in about 35 minutes. The agent explained that my 1095-B and 1095-C were all I needed since I had employer insurance, and the 1095-A is only for marketplace plans. She also helped me understand which information from these forms actually matters for my tax return. Saved me hours of frustration and helped me file with confidence!

For anyone still confused, here's a simple breakdown: 1095-A = Marketplace/Exchange insurance (Healthcare.gov or state exchanges) 1095-B = Other health insurance (private insurers, Medicare, etc.) 1095-C = Employer-provided insurance information You only get a 1095-A if you bought insurance through the Marketplace. Sounds like you have employer insurance, so you won't have a 1095-A.

Anyone know if TurboTax actually needs the information from these forms entered manually? Or do they just want to know which forms you have? Last year I remember answering questions about insurance but never entering anything from the actual 1095 forms.