Filed my 2024 taxes without 1095-C form. Do I need to resolve this before deadline?

Hey everyone, I realized I messed up and filed my taxes last week without including my 1095-C form from my employer. I completely forgot about it until I was organizing my tax documents today and found it sitting in a folder. This is my first year with employer health insurance so I didn't know I needed to include it. My return was already accepted by the IRS a few days ago, and I'm worried I'm going to get in trouble or have my refund delayed. Do I need to file an amended return? Or is the 1095-C just for my records and not actually required to be sent to the IRS? I'm getting conflicting info online and my anxiety is through the roof about this! I have the 1095-C right in front of me now - shows I had coverage all 12 months of the year. My tax software never specifically asked for it that I remember. Should I be freaking out or am I ok?

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18 comments

Freya Andersen

•8M

You don't need to worry! The 1095-C form is just for your records and isn't actually filed with your tax return. The form confirms you had qualifying health insurance coverage through your employer, which exempts you from any penalties for not having coverage (though these penalties aren't currently being enforced at the federal level anyway). Your employer already sent a copy of this information to the IRS, so you don't need to file an amended return or do anything else. That's why your tax software didn't specifically ask for information from this form - it's mainly meant as verification for your records. Just keep your 1095-C with your other tax documents in case you're ever questioned about your health coverage. But there's no need to stress about this - your return is fine as is!

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Freya Andersen

•8M

You generally don't need to input information from your 1095-C into tax software. The form is primarily for your records to verify you had qualifying coverage. There are some situations where health insurance information is needed on your tax return, but that's typically for people with Marketplace insurance (Form 1095-A) who might qualify for premium tax credits. If you have employer coverage documented on a 1095-C, you usually just answer "yes" to having qualifying coverage and move on - no need to enter specific details from the form.

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Leila Haddad

•8M

I had almost the exact same panic moment last year! After struggling to figure out what to do, I came across https://taxr.ai and it was seriously a game-changer for me. I uploaded my 1095-C and my tax documents, and it quickly confirmed what the previous commenter said - that the 1095-C isn't filed with your return but kept for your records. The tool also scanned my other docs and found a student loan interest deduction I had missed completely! What I really liked was how it explained everything in plain English instead of tax jargon. It analyzed all my documents together and gave me a summary of exactly what I needed to do (which in your case, would be "nothing").

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Leila Haddad

•8M

You do need to create an account, but it's pretty straightforward. They use bank-level encryption for all document uploads, and they explain their security measures right on the site. I had the same concerns about uploading docs, but they don't store your documents long-term - you can delete them after analysis. It did catch something TurboTax missed, mainly because I hadn't entered some information correctly in TurboTax in the first place. The tool is more of a document analyzer that helps you understand what's in your tax forms rather than a replacement for tax filing software. I still used TurboTax to actually file, but taxr.ai helped me understand what I needed to include or change.

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Ravi Patel

•8M

Ok I need to follow up on my skeptical comment above. I actually tried https://taxr.ai after posting that comment because I had a similar issue with some investment forms I wasn't sure about. Honestly, I was really impressed! The document analysis found that I had dividend income reported on a 1099-DIV that I completely missed when doing my taxes. The explanation was super clear and told me exactly where on my return this needed to be reported. No tax jargon, just plain explanations. I'm definitely going to be using this for my more complicated tax situations in the future. Saved me from potentially getting a letter from the IRS about underreported income!

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Astrid Bergström

•8M

If you're still worried and want confirmation from the IRS directly, good luck getting through to them on the phone! I spent HOURS on hold last year with a similar issue. I finally found https://claimyr.com which got me through to an actual IRS agent in about 15 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c I was initially calling about a missing form situation (different form than yours), and the agent confirmed that for my 1095-C specifically, I didn't need to file an amendment. They were able to look at my account and tell me everything was fine. Seriously saved me days of stress and worry.

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Astrid Bergström

•8M

It works by navigating the IRS phone system for you and waiting on hold in your place. When they reach a live agent, they call you and connect you directly to that agent. It's not magic - they're just doing the waiting for you. The service basically uses technology to navigate the IRS phone menus automatically and monitors the hold music. When a human agent picks up, their system immediately calls your phone and bridges the connection. You're talking to the same IRS agents through the same phone system, just without the hours of waiting.

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Omar Farouk

•8M

I need to eat my words from yesterday. After posting that skeptical comment, I was still struggling to get through to the IRS about a notice I received (unrelated to the original post topic). Out of frustration, I tried the Claimyr service. I fully expected it to be a waste of money. Well, I'm shocked to say it actually worked exactly as described. Got a call back in about 22 minutes and was connected directly to an IRS agent. The agent helped confirm that my health insurance forms (including 1095-C) weren't needed for my return. Resolved my separate notice issue too. Saved me from taking time off work to sit on hold all day. Consider me converted from skeptic to believer.

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Chloe Martin

•8M

Just to add to what others have said - I'm a tax preparer (not a CPA, but I work for a tax service). The 1095-C is what we call an "informational form" - it's not submitted with your return. There are three types of 1095 forms: 1095-A: This is for Marketplace insurance and YES you DO need this for your tax return if you purchased insurance through the exchange 1095-B: From insurance providers 1095-C: From employers with 50+ employees that offer health insurance Only the 1095-A is absolutely needed for filing. The B and C forms are just for your records, as others have mentioned.

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Chloe Martin

•8M

If your employer has fewer than 50 full-time employees, they're not required to provide a 1095-C form. So for a small business with only 5 employees, not receiving a 1095 form is completely normal. The main thing that matters is whether you had qualifying health coverage. If your small employer provided health insurance and you were enrolled, you were covered. If you're ever questioned about your coverage, you can provide other documentation like insurance cards or pay stubs showing health insurance deductions.

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