What am I supposed to do with my 1095-C form if TurboTax didn't ask for it?

So does that mean I can just throw it away? And what about those states that still have the insurance requirement? I live in Massachusetts and I think they still have a penalty if you don't have insurance.

Definitely don't throw it away - you should keep it with your tax records for at least 3 years. While the federal penalty is currently $0, you're absolutely right about some states having their own individual mandates. Massachusetts does indeed have its own health insurance requirement and penalty through the Massachusetts Health Care Reform Law. In this case, the 1095-C is important documentation to prove you had qualifying coverage. While TurboTax may not specifically ask for information from the form, having coverage should be reflected somewhere in your state tax questions. If you're concerned, double-check the Massachusetts section of your TurboTax filing to confirm your coverage was properly reported.

How does this work with privacy stuff? Like, I'm always nervous about uploading my tax docs to random websites. Do they store your info or is it just an analysis thing?

Is this better than just calling the IRS? I've got like 5 different tax forms this year and I'm totally lost on which ones actually matter for filing.

They use encryption for all document uploads and their privacy policy says they don't store your documents after analysis - it's just to read and interpret the information for you. Their system is designed specifically for this kind of security concern. For the IRS question - in my experience, this is way faster than trying to get through to the IRS. Last time I tried calling them, I was on hold for over an hour and then got disconnected. With taxr.ai, I got answers about my forms in minutes. It's especially helpful for figuring out which forms you actually need to enter in your tax software versus which ones are just for your records.

Wait, so you pay a service to call the IRS for you? How does that even work? Couldn't you just keep calling yourself until you get through?

This sounds like a scam. Why would I pay someone else to call the IRS when I can do it myself for free? And how do I know they're actually connecting me to a real IRS agent and not just some random person?

No, they don't call the IRS for you - they use a system that navigates the IRS phone tree and waits on hold for you. When they reach a live agent, they call you and connect you directly. You're the one who actually speaks with the IRS agent. I tried calling myself literally dozens of times and either got the "call volume too high" message or was on hold for hours before giving up. With Claimyr I was connected in about 15 minutes. And yes, it was definitely a real IRS agent - they verified my identity and answered questions about my specific tax situation that only the IRS would know.

Do you know if it matters that I have outstanding payments? The original poster mentioned still owing some money for their insurance and I'm in the same boat. Will that affect anything tax-wise?

Your outstanding insurance payments don't impact your tax filing in relation to the 1095-C. The form simply documents what coverage was offered to you and which months you were enrolled. Any payments you still owe are between you and your insurance provider or employer (depending on how your plan is structured). These don't need to be reported on your tax return. The only exception might be if you're itemizing medical expenses that exceed 7.5% of your AGI, but that's completely separate from the 1095-C reporting requirement.

This is good advice. How would you go about fixing it if the information is wrong? Contact HR?