Just received a 1095-C form - Should I have included it in my tax return?

Form 1095-C doesn't get filed. It's just proof of insurance. Keep it with your records. That's all you need to do.

I was in the same boat last month! Here's what I learned: Step 1: Don't panic - the 1095-C is just an informational form showing what health insurance your employer offered you. Step 2: Check if you actually enrolled in the offered plan. If you did, the form just confirms coverage. Step 3: If you got insurance through the marketplace AND claimed Premium Tax Credits, then you might need to amend if the 1095-C shows you were offered affordable coverage. Step 4: If you didn't claim Premium Tax Credits, you're almost certainly fine and don't need to do anything.

I've researched this extensively, and the consensus seems to be that Form 1095-C is primarily for your records. The form itself states "Do not attach to your tax return. Keep for your records." However, you should carefully review the information to ensure it doesn't contradict anything on your return, particularly if you received premium tax credits through the marketplace. Most tax software will ask questions about employer coverage that would have already addressed this information, even without the physical form.

If ur still worried abt this, might be worth calling the IRS directly to confirm. I had a similar q last yr and spent literally 3 days trying to get thru to someone. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected in like 20 mins. The agent confirmed I didn't need to amend my return just for the 1095-C unless I claimed PTC when I shouldn't have. Saved me so much stress tbh.

Think of the 1095-C like a receipt for a purchase you've already accounted for in your budget. The receipt confirms details, but you've already recorded the transaction. When you filed your taxes, you likely already answered questions about health insurance coverage - the 1095-C just provides documentation of what you reported. Only if you're in the small subset of people who claimed Premium Tax Credits while having access to affordable employer coverage (like trying to double-dip on a discount) would you potentially need to amend your return.

I received my 1095-C three weeks after filing last year. Called my HR department immediately and they confirmed it was just for my records. Did you claim any premium tax credits on your return? Did you get insurance through the marketplace or through your employer? Was Box 1E checked for any months? These details matter for determining if you need to take action before the amendment deadline.