Do I need to file form 1095-B with my taxes? (Texas Medicaid/TurboTax confusion)

Thank you so much for the clear explanation! So just to be super clear - I keep the actual paper form for my records, but I don't need to enter any information from it into TurboTax at all? TurboTax asked about health insurance and I said we were covered all year through Medicaid, but it never specifically asked for the 1095-B info.

That's exactly right. You don't need to enter any information from the 1095-B into TurboTax. When you told TurboTax that you and your children were covered by Medicaid all year, that's all the information the system needs. The form itself is just supporting documentation in case there's ever a question about your coverage. The IRS already has this information from Medicaid directly, so you're all set to submit your return as is!

Does this actually work with state-specific forms too? I have some weird California tax docs that make zero sense to me.

Idk sounds like you're just advertising something. Like how's it any better than just googling "do I need to file 1095-B" and reading the IRS website? Not trying to be rude just genuinely asking.

It absolutely works with state forms! I had a California childcare expense document that confused me and it explained the whole thing. It works by using AI to analyze the actual document you have rather than you trying to figure out which generic explanation matches your situation. Google can be helpful, but sometimes you get contradictory information (like OP mentioned) or explanations that don't quite match your specific situation. With taxr.ai, you're uploading your actual form with your specific information, so the guidance is tailored exactly to your document and circumstances. It's like having a tax pro look at your specific document rather than reading general advice.

Wait this is actually a thing? How does it work? Do they just have some special connection to the IRS or something?

Sorry but this sounds like a total scam. You're telling me some random company can magically get through IRS hold times? And they just call you back with an IRS agent on the line? No way that's legit.

They don't have any special connection to the IRS - they just use an automated system that dials and waits on hold so you don't have to. It's basically like having someone else sit on hold for hours while you go about your day. The way it works is pretty simple - their system calls the IRS and navigates through all the menu options, then sits in the hold queue. When a real IRS agent finally answers, their system immediately calls your phone and connects you to the agent. There's no magic to it, just technology that saves you from having to sit by your phone for hours listening to the same hold music over and over.

That's a great point I hadn't thought about! I just double checked and thankfully mine shows coverage for all 12 months for both me and my kids. But what would have happened if there was a mistake and you'd already filed? Would you have needed to amend your return?

If you'd already filed and later discovered an error on your 1095-B, you typically wouldn't need to amend your return in most cases. Since 2019, when the tax penalty for not having health insurance was reduced to $0 at the federal level, there's generally no direct tax impact. However, it's still important to get the form corrected by contacting Medicaid, as having accurate records of your health insurance coverage can be important for other reasons, including potential state requirements or if questions come up later about your coverage history.

You don't need to submit either form with your tax return. Both the 1095-B (from Medicaid) and 1095-C (from your employer's insurance) are informational forms for your records. You do need to accurately answer the health insurance coverage questions in your tax software, indicating that you had coverage all year through a combination of employer insurance and Medicaid. The forms themselves don't get submitted - they're just proof of your coverage if you're ever asked about it.

Thank you! That makes it so much clearer. I was driving myself crazy thinking I needed to enter all the policy numbers and dates from both forms. Such a relief to know I just need to indicate I had coverage all year and keep these forms in my records.