What is this form?

Form 1095-B is a form the IRS requires us to provide to you. It shows the health insurance coverage you had in 2022 that meets the Affordable Care Act standard for coverage. You can use the information on this to fill out your federal income tax return.

I have not received my Form 1095-B from you for the 2022 coverage year. When will I receive it?

We did not mail these forms, but we did upload them to our members’ secure My Health Toolkit accounts. Please log in to your account (after Jan. 31, 2023) to view and download your 2022 form. 

I don’t have an account on My Health Toolkit. Will you send me my form instead?

We would be happy to send the form to you. However, for faster access to your form, as well as more information about your benefits, you should consider creating a My Health Toolkit account. It’s secure, quick and convenient. 

This form is not correct. Can you fix it?

We will research your concern. If we determine that we have made an error, we will issue a revised form with the correct information. If we determine that your form is correct, we will let you know. 

I got multiple 1095 Forms? Why? What’s the difference?

If you had coverage through more than one insurance plan or policy during 2022, you will receive a Form 1095 for each plan or policy for the time period that you had coverage. There are three versions of Form 1095: 1095-A, 1095-B and 1095-C. 

• You receive Form 1095-B from any insurance company that you had coverage with unless your coverage was through a self-funded employer. 
• If you had coverage through a self-funded employer, you should get a Form 1095-B or 1095-C from that employer (1095-B for self-funded small groups or 1095-C for self-funded large groups). 
• If you had coverage through a fully insured large group employer, you should also get a 1095-C from that employer, in addition to the 1095-B that you get from us (or any other insurer). 
• If you had coverage that you bought directly from the Health Insurance Marketplace, you will get Form 1095-A.
• Be sure to save all the Forms 1095 you get. You may need the info on them to complete your federal income tax return this year. 

The information on the form you sent me doesn’t match the information on the form I got from my employer and it’s for the same coverage. Can you fix them?

We will research your concern. If we determine that we have made an error on the Form 1095-B that we provided, we will issue a revised form with the correct information. If we determine that your form is correct, we will let you know. You should also contact your employer to have him/her verify the information on the form he/she sent you. 

I have already filed my tax return for 2022 — before you provided the Form 1095-B to me. What should I do?

If you relied on other information about your insurance coverage to file your tax return, be sure to keep this information with your tax records. If you are concerned that you filed your return with incorrect information, please consult your tax adviser. 

What is the tax penalty for not having coverage in 2022?

The individual mandate tax penalties were set to zero after December 31, 2018. So, individuals are no longer responsible for this payment or tax penalty. However, you may still need the information on the 1095-B form we provide to complete your 2022 income tax return.