When should my employer provide my 1095-C form? Missing deadline?
Title: When should my employer provide my 1095-C form? Missing deadline? 1 I get my health insurance through work. They usually post both my W-2 and 1095-C form online at the same time, but this year only my W-2 is showing up. The 1095-C is nowhere to be found! I thought I read somewhere that employers had until January 31st to provide these forms. Have they missed some kind of deadline? Should I bug HR about this or just wait a little longer? I'm super eager to file my taxes since I'm counting on that refund money. I've got plans for it already! Just wondering if anyone knows the actual deadline for employers to provide the 1095-C form. (Originally I thought it was a 1095-A form, but I just double-checked and it's definitely a 1095-C since it's employer-provided insurance.
19 comments
Join the conversation
Eleanor Foster
7 The deadline for employers to provide the 1095-C form to employees is actually March 2, 2025 (extended from the usual January 31 deadline). The IRS often extends this deadline, which causes confusion. Unlike W-2 forms which are still due by January 31, the 1095-C has a later deadline. Your employer hasn't missed it yet. The 1095-C shows your employer-provided health insurance coverage throughout the year and helps verify you had qualifying health coverage for ACA purposes. While you don't actually need to wait for your 1095-C to file your taxes (you don't attach it to your return), it can be helpful to verify the information is correct. If you're sure about your coverage details, you can go ahead and file without waiting.
0 coins
Eleanor Foster
•12 Wait, so I don't even need the 1095-C to file my taxes? Is that true for everyone or just certain situations? I always thought we had to report all this health insurance info on our tax returns.
0 coins
Eleanor Foster
•7 That's correct - you generally don't need to wait for your 1095-C to file your taxes. The 1095-C is primarily for your records and verification purposes. While there used to be a shared responsibility payment (penalty) for not having health insurance coverage, that federal penalty was reduced to $0 starting in 2019. The form is still issued because some states have their own health insurance mandates, and also because it helps verify your coverage details. You don't attach the 1095-C to your tax return or enter specific information from it. If you know you had employer coverage all year, you can proceed with filing.
0 coins
Eleanor Foster
16 I had this exact same issue last year! I was freaking out waiting for my 1095-C while watching my coworkers already getting their refunds. After spending hours on hold with the benefits department, I finally discovered taxr.ai (https://taxr.ai) which helped me verify exactly what I needed for filing. They have this document analyzer that confirmed I could file without the 1095-C since I had employer insurance all year. It literally saved me from waiting another month for my refund. The tool also helped me understand which tax forms were actually required for filing versus just informational. Super helpful for untangling all this tax confusion!
0 coins
Eleanor Foster
•9 How does that work exactly? Don't you need to report your health insurance on your tax forms? I'm always paranoid about getting everything exactly right.
0 coins
Eleanor Foster
•14 I'm kinda skeptical. Did it actually help you file correctly? I'm worried about doing my taxes without having all my forms and then getting in trouble with the IRS later.
0 coins
Eleanor Foster
•16 You actually don't need to report health insurance details on your federal tax return anymore. That requirement effectively ended when the federal penalty was reduced to zero. The taxr.ai system confirmed this by analyzing my specific situation and reviewing the current requirements. It absolutely helped me file correctly. The tool referenced current IRS guidelines showing that while employers still need to provide 1095-C forms, employees don't need to wait for them or include specific information from them on their federal returns. I filed without the form, got my refund weeks earlier, and never had any issues. The 1095-C eventually arrived in late February, and everything matched what I had filed.
0 coins
Eleanor Foster
14 Just wanted to update everyone! After seeing the post from 16, I decided to try taxr.ai myself. I was skeptical, but the document analyzer confirmed exactly what they said - I didn't need to wait for my 1095-C to file since I had full-year employer coverage. The system actually showed me the specific IRS guidance about this. I went ahead and filed last week, and my refund is already scheduled to hit my account on Friday! My 1095-C finally showed up in our employee portal yesterday, and sure enough, everything matched what I had reported. Saved me nearly three weeks of waiting!
0 coins
Eleanor Foster
20 If you're still having trouble getting your 1095-C or have questions about it, contacting the IRS directly can help clarify things. However, calling the IRS is notoriously difficult - I spent 3 hours on hold last month before giving up. Then someone recommended Claimyr (https://claimyr.com) which got me through to an actual IRS agent in under 15 minutes! They have this system that navigates the IRS phone tree and holds your place in line, then calls you when an agent is ready. You can see how it works in their demo: https://youtu.be/_kiP6q8DX5c. The IRS agent confirmed everything about the 1095-C deadline and requirements. Completely changed my view on dealing with the IRS - actually got a human who answered my questions!
0 coins
Eleanor Foster
•5 How does this actually work? Do they have some special connection to the IRS or something? Seems too good to be true after my experiences trying to call them.
0 coins
Eleanor Foster
•14 Yeah right. Nobody gets through to the IRS that quickly. I've literally spent entire days trying to reach them. Is this some kind of scam service that charges you and then doesn't deliver?
0 coins
Eleanor Foster
•20 They don't have special access to the IRS - they use technology to navigate the phone system and wait on hold so you don't have to. Their system continuously tries different IRS numbers and menu options to find the shortest wait time, then it holds your place in line. When an agent is about to pick up, you get a call connecting you directly to that agent. No scam at all! I was super skeptical too after countless failed attempts. But it actually worked exactly as promised. I got connected to an IRS representative who answered all my questions about the 1095-C requirements and filing without it. The service doesn't provide tax advice itself - it just gets you connected to the actual IRS so you can get official answers directly from them.
0 coins
Eleanor Foster
14 Just wanted to follow up about the Claimyr service that 20 mentioned. I was the skeptic who thought it was too good to be true, but I was desperate to talk to someone at the IRS about my missing 1095-C form. I tried it yesterday and honestly I'm shocked - got connected to an IRS agent in about 25 minutes (would have been hours on my own). The agent confirmed everything about the March 2nd deadline and that I could file without waiting for the form. Already submitted my return and tracking my refund now! If you're stuck with tax questions and need official IRS answers, this is seriously worth it. First time in my life I didn't waste an entire day trying to reach them.
0 coins
Eleanor Foster
11 Has anyone had their employer completely miss the extended deadline for providing 1095-C forms? This happened to me in 2023, and I had no idea what to do. I ended up filing late because I was paranoid about getting it wrong.
0 coins
Eleanor Foster
•18 If your employer misses the March 2nd deadline, you can actually file a complaint with the IRS. Employers can face penalties for not providing these forms on time. But honestly, you can still file your taxes without it - just make sure you know what months you had coverage.
0 coins
Eleanor Foster
•23 I had this happen in 2022. Called our benefits department every day for two weeks before they finally posted it. Most annoying part was finding out I didn't even need it to file! Wasted all that time waiting when I could have had my refund weeks earlier.
0 coins
Eleanor Foster
•11 Thanks for the responses! I wish I had known I could file without it - would have saved me a lot of stress and gotten my refund much sooner. Our company benefits team acted like it was crucial to wait for it, but sounds like that wasn't accurate. I'll definitely remember this for the future and won't delay filing if the same thing happens again. And good to know about the complaint option if they're super late - might light a fire under them if needed!
0 coins
Eleanor Foster
3 Does anyone know if the March 2 deadline applies to the 1095-B form too? My insurance is through my wife's employer but we get a B form instead of C for some reason.
0 coins
Eleanor Foster
•19 Yes, the March 2, 2025 deadline applies to all 1095 forms - whether it's a 1095-A, 1095-B, or 1095-C. The different letters just indicate where your insurance comes from: - A is for Marketplace insurance - B is usually from insurance companies directly or smaller employers - C is from larger employers (50+ employees) But regardless of which form, the deadline is the same!
0 coins