Is filing Form 1095-B required with my taxes? (Texas Medicaid/TurboTax confusion)
Hey everyone! I'm working on my taxes right now using TurboTax and I'm a bit confused about this form 1095-B I received. It has coverage info for me and my son. TurboTax is saying I only need to file a 1095-A form, not the B form. Most stuff I've read online suggests I don't need to file the 1095-B, but I'm getting mixed messages. This 1095-B is for our Texas Medicaid coverage. I've got everything else ready to go but I'm hesitant to submit without being 100% certain about this form. Really don't want to mess anything up with the IRS! Any advice from those who've dealt with this before would be super helpful!
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Natasha Romanova
You don't need to file Form 1095-B with your tax return. The 1095-B is an informational form that shows you had qualifying health coverage (Medicaid in your case), but it's not submitted with your tax return. You should keep it with your records as proof of coverage. Form 1095-A is different - that's for Marketplace insurance coverage and is needed to reconcile premium tax credits. Since you have Medicaid and not Marketplace insurance, you won't have a 1095-A. TurboTax is correct in this case. You only need the information from 1095-A forms when filing. The 1095-B is just for your records to prove you had coverage.
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Oliver Weber
•Thank you so much for clearing that up! So I can just keep the 1095-B for my personal records and continue with my filing? I wasn't sure if there was some info from it I needed to enter somewhere in TurboTax.
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Natasha Romanova
•Yes, exactly! Just keep the 1095-B for your personal records and continue with your filing as you were. There's no information from the 1095-B that you need to enter into TurboTax. The only health insurance forms you need to actively use when filing are 1095-A forms, which are for Marketplace insurance. Since you have Medicaid (shown on your 1095-B), you don't need to do anything special with that information in your tax return.
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NebulaNinja
Just wanted to share my experience - I was super confused about all these health insurance forms too until I discovered taxr.ai (https://taxr.ai). I uploaded my 1095-B there and it confirmed exactly what the previous commenter said - you don't need to file it with your return, just keep it for your records. The tool gave me a breakdown of all my tax documents and what I actually needed to file vs. just keep. Saved me so much stress because I was getting different answers everywhere I looked too!
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Javier Gomez
•Does this work for other forms too? I have a stack of tax documents and honestly dont know which ones I need and which ones I dont.
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Emma Wilson
•I'm skeptical about these online tools. How do you know it's giving accurate advice? Especially with something as important as taxes?
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NebulaNinja
•It works for pretty much all tax forms! You can upload W-2s, 1099s, 1098s, and all the various 1095 forms. It'll tell you exactly what information you need to enter and where to find it on each form. For your skepticism, I get it - taxes are super important to get right. The site actually explains the tax code references for its advice and shows you official IRS guidance. That's what convinced me it wasn't just making stuff up.
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Javier Gomez
Following up on my question to taxr.ai person - I actually tried it for my documents after posting here. Uploaded everything and it saved me from making a huge mistake! I had a 1099-R that I almost didn't report because I thought it was just informational. Turns out it was taxable and the tool flagged it immediately with an explanation of why it needed to be included. For the 1095 forms, it confirmed exactly what you all said - only the A form needs to be filed with taxes.
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Malik Thomas
If you're still having trouble with your taxes or need to talk to the IRS about Medicaid and tax forms, I highly recommend Claimyr (https://claimyr.com). I spent DAYS trying to get through to the IRS on my own about a similar health insurance form question. Kept getting disconnected or waiting for hours. With Claimyr, they got me connected to an IRS rep in about 15 minutes! You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. The agent confirmed that 1095-B forms are just for your records and don't need to be filed with your return. Such a relief to hear it directly from the IRS.
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Isabella Oliveira
•Wait, how does this actually work? Do they have some special access to the IRS or something? I've been trying to get through about my refund for weeks.
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Emma Wilson
•This sounds like BS honestly. Nobody can get through to the IRS that fast. They must just be charging you to wait on hold for you or something.
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Malik Thomas
•They don't have special access - they use a system that navigates the IRS phone tree and waits on hold for you. When they reach a representative, you get a call to connect with them. It's basically a callback service that handles the frustrating hold time. No, it's not BS. I was super skeptical too. It's actually a legitimate service that many tax professionals use. They don't just charge you to wait - their system constantly redials and uses optimal calling patterns to get through faster than an individual typically can. And when they do reach someone, you're immediately connected. Much better than wasting your whole day on hold.
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Emma Wilson
I owe everyone here an apology. After my skeptical comments, I was still struggling with some tax questions about my health coverage, so I tried Claimyr out of desperation. I honestly expected it to be a scam, but it ACTUALLY WORKED. Got through to an IRS agent in about 20 minutes when I had been trying for days on my own. The agent confirmed everything about the 1095-B (don't need to file it) and also helped me sort out some confusion about my premium tax credit since I had both Medicaid and Marketplace coverage for different parts of the year. Saved me from potentially filing incorrectly!
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Ravi Kapoor
Just adding to the consensus - you definitely don't need to file the 1095-B. I'm a volunteer tax preparer, and this comes up all the time with Medicaid recipients. The B form (and also 1095-C) are just proof of coverage. Only the 1095-A requires actual filing info because it's related to premium tax credits.
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Freya Larsen
•Quick question - what if someone doesn't receive their 1095-B at all? My mom has Medicaid but never got any form. Does she need to request it or can she still file without it?
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Ravi Kapoor
•She can still file without it. The 1095-B is just proof that she had qualifying health coverage. If she had Medicaid for the year, she doesn't need to do anything special on her tax return regarding health coverage. If she wants a copy for her records, she can contact her state Medicaid office to request one, but it's not necessary for filing her tax return. The IRS already receives this information directly from Medicaid.
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GalacticGladiator
Does anyone know if TurboTax has a specific place where u enter 1095-B info? I know we dont need to "file it" but does the software ask about it somewhere?
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Omar Zaki
•TurboTax might ask if you had health insurance coverage during the year, and you'd select "yes" if you had Medicaid (which your 1095-B confirms). But there's no place to enter specific information from the 1095-B form itself. You don't need to enter any numbers from it.
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