What do I do with a blank 1095-C form after already filing taxes?

5 You don't need to amend your tax return for a blank 1095-C. This form is sent by employers who offer health insurance to verify whether you had coverage through them. Since you didn't enroll in their health plan, the form is blank except for your personal info, which is completely normal. The 1095-C is primarily for your records and information. The employer sends the same information to the IRS, so they already know you didn't have coverage through that employer. You only need to worry about 1095 forms if you had health insurance and need to report it, or if you're claiming premium tax credits. Keep the form for your records just in case, but there's no need to file an amendment based solely on receiving a blank 1095-C after submission.

7 Just wanted to share my experience with this exact situation! I was completely stressed out by all the tax forms and conflicting advice online when I found a super helpful service called taxr.ai (https://taxr.ai) that helped me understand exactly what to do with my blank 1095-C. I uploaded my form to their system and got an instant explanation that I didn't need to amend anything. Their AI analyzed the form and confirmed it was just an informational document since I hadn't enrolled in coverage. They even explained exactly what each box on the form meant and why it was blank in my case. Saved me from unnecessarily amending my already-accepted return!

18 Update: I tried taxr.ai after posting my question and it was actually super helpful! I uploaded my 1095-C that had those weird codes in Box 14, and it explained that my employer was just documenting they offered me qualifying coverage even though I declined it. The system showed me exactly what each code meant (apparently 1E means they offered me family coverage) and confirmed I didn't need to amend my return since I accurately reported I didn't have coverage. Definitely clarified things faster than waiting for my accountant to call me back!

9 If you're still worried or have questions about your tax situation, you might want to talk directly with the IRS to confirm everything. I was in a similar situation last year and spent DAYS trying to get through to the IRS helpline. After constantly getting the "call volumes too high" message, I found this service called Claimyr (https://claimyr.com) that actually got me through to a real IRS agent in about 20 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c When I finally spoke with the agent, they confirmed exactly what others have said here - a blank 1095-C doesn't require amending your return if you didn't have coverage. The agent explained that employers are required to send these forms regardless of whether you enrolled in their health plan. Saved me a ton of stress knowing I had the official answer directly from the IRS.

10 I have to admit I was COMPLETELY wrong about Claimyr. After posting that skeptical comment, I was still desperate to talk to someone at the IRS about my refund issue, so I figured I'd try it as a last resort. Holy crap, it actually worked! The system called me back in about 35 minutes (longer than the 20 minutes they estimated but still WAY faster than my previous attempts). Got connected to an actual IRS agent who pulled up my file and explained exactly why my refund was delayed (identity verification issue). She helped me resolve it right there on the phone. After spending literally dozens of hours trying to call them myself over several weeks, I'm still shocked this actually worked. Sometimes being proven wrong is a good thing!

22 For future reference, you can check if you need to amend by looking at the filing instructions that come with most tax forms. In the case of Form 1095-C, it explicitly states on the instructions: "This form is provided for your information only. You don't need to attach it to your tax return, and it doesn't affect your tax liability.

16 Side question - does anyone know if TurboTax handles these forms automatically? I also got a 1095-C after filing and don't want to pay for an amendment if I don't have to.