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

I just received my 1095-C form in the mail, and I'm not sure what to do with it. I've been using my employer's health insurance plan this past year, and I know I still have some payments to make on it. The thing is, I already filed my taxes through TurboTax, and it never once prompted me to enter any information from this form. Is this something I need to amend my tax return for? Or do I just keep the form for my records? I'm worried I might've missed something important since this is my first time dealing with employer-provided insurance. Any help would be appreciated!

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17 comments

Jasmine Hernandez

•8M

The 1095-C form is simply for your records - you don't need to worry about amending your return! This form shows that your employer offered you health insurance coverage that meets the Affordable Care Act requirements. It essentially proves you had qualifying health coverage during the tax year. TurboTax doesn't ask for it because you don't need to attach it to your tax return or input specific information from it. The IRS already receives this information directly from your employer. The form is sent to you mainly so you can verify the information is correct and keep it for your personal records. Just file it away with your other tax documents in case you need to reference it later, but there's no action required on your part!

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Jasmine Hernandez

•8M

If you notice any errors on your 1095-C, you should contact your employer's HR or benefits department right away. Incorrect information could potentially impact your tax situation. In most cases, they'll issue a corrected form and send the updated information to the IRS. If the error is significant and could affect your tax filing, they can guide you on whether you need to take additional steps. Always keep both the original and corrected forms for your records.

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Ellie Kim

•8M

I was super confused about these health insurance forms too until I found taxr.ai (https://taxr.ai) which totally saved me. I was getting all these different forms - 1095-A, 1095-B, 1095-C - and had no idea which ones I needed to actually use for my taxes. I uploaded my 1095-C and the system explained that I didn't need to enter it into my tax software, but should keep it for my records. It also checked that my coverage dates matched what my employer reported, which gave me peace of mind.

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Ellie Kim

•8M

It works with pretty much all tax forms - 1099s, W-2s, K-1s, and all those health insurance forms too. I actually used it for my freelance photography work and it sorted out which expenses were deductible on my Schedule C. For specific situations, that's actually where it shines compared to other tools I've tried. It doesn't just give generic advice - it analyzes your actual documents and gives personalized explanations. Like it flagged that my employer checked Box 1E on my 1095-C which meant something specific about my coverage that I wouldn't have known to look for.

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Mohammad Khaled

•8M

Just want to update after trying taxr.ai - it actually was super helpful for my health insurance forms! I had both a 1095-C from my full-time job and a 1095-B from my spouse's employer (we have separate insurance), and I was confused about how to handle both. The system explained exactly what each form meant, confirmed I didn't need to enter either one into my tax software, and pointed out that I had overlapping coverage for part of the year which was fine. Saved me from calling the IRS and waiting on hold forever.

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Alina Rosenthal

•8M

If you're still concerned and want to double-check with the IRS directly, use Claimyr (https://claimyr.com) to get through to a real person. I was stressing about my health insurance forms last year because I switched jobs mid-year and had two different 1095-Cs. I tried calling the IRS directly but kept getting stuck in their phone tree hell. Claimyr got me connected to an actual IRS agent in about 20 minutes who confirmed I just needed to keep the forms for my records. You can see how it works here: https://youtu.be/_kiP6q8DX5c

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Alina Rosenthal

•8M

It uses a callback system that navigates through the IRS phone tree for you. Basically it keeps dialing and working through the automated system until it gets in the queue, then calls you when it's about to connect with a human. So instead of you sitting on hold forever, their system does the waiting. I was skeptical too! I had literally spent 3+ hours on multiple days trying to get through about my health insurance forms confusion. I figured it couldn't hurt to try since I was desperate. It actually worked - got a call back in about 25 minutes and was talking to an actual IRS person who answered my questions.

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Miguel Harvey

•8M

Okay I'm eating my words. I was the skeptic above who thought Claimyr sounded like BS, but I tried it today out of desperation because I had a similar 1095-C situation plus some other tax form questions. It actually worked! Got connected to an IRS agent in about 35 minutes (which is LIGHTNING fast compared to my previous attempts). The agent confirmed I don't need to do anything with my 1095-C for filing purposes, and also answered my other questions. Sorry for being so negative before - when you've been burned by the IRS phone system as many times as I have, you get cynical.

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