Understanding your IRS 1095 forms

A Strawberry

What you need to know

Important information: Kaiser Permanente is scheduled to start mailing Form 1095-B to primary account owners (also known as subscribers) on January 10, 2018. These forms will be sent out through the rest of the month, to subscribers in all regions, until we’ve finished. Please allow some time for them to arrive.

You may need your form to show proof of medical health plan coverage when filing your tax returns with a tax preparer. You don’t need to submit it with your return.

To download your current Form 1095-B, visit kp.org/mytaxdocs.*

Need another type of 1095?

  • For Form 1095-A, please contact your health insurance marketplace.
  • For Form 1095-C, please contact your employer.

Read on for more information on Form 1095.

Under the Affordable Care Act, almost everyone must have medical health plan coverage. Each year you may get one or more versions of IRS Form 1095 (1095-A, 1095-B, 1095-C), depending on what kind of health coverage(s) you had. The 1095 form(s) prove you had coverage for the months listed on the form.

To support your efforts to file your taxes this year, you’ll get a copy (or copies) of Form 1095 from one or more of the following:

  • Kaiser Permanente
  • CMS for Medicare and Medicaid
  • The health insurance marketplace through which you purchased coverage
  • Your employer(s)

You may need your form to show proof of medical health plan coverage when filing your tax returns with a tax preparer. You don’t need to submit it with your return. For more information, please visit the IRS page on health care information formsKaiser Permanente is not responsible for the content or policies of external Internet sites, or mobile apps..

To learn more about your Form 1095

The form(s) you get will depend on the type(s) of health coverage you had. See the table below to find out which type of form(s) to expect.

Type of Medical Coverage PlanForm ProviderForm(s)
Health insurance marketplaceMarketplace1095-A
Individual or family planMost employers1095-B
Large employer planKaiser Permanente or employer1095-B or 1095-C
Medicare or MedicaidGovernment1095-B
CHIPGovernment1095-B

Kaiser Permanente mails the 1095-B form only. You may get multiple 1095-B forms if you were enrolled in 1 or more health coverage plans during the year.

If you’ve received a notice from Kaiser Permanente stating that we would soon send your 1095 forms, know that the mailing of these forms starts in early January and will continue through the first weeks of February (in keeping with the IRS deadline). 

Regardless of your type of coverage, you may have the following questions:

Does my health coverage affect my taxes?

Yes, it does, in 2 ways:

  • Federal tax law requires everyone to have health plan coverage or to meet the rules for not having coverage by obtaining an exemption. If you or your dependents did not have health coverage that qualifies, you may have to pay a tax penalty. For information on exemptions to the law about having health coverage, visit the healthcare.gov page regarding exemptionsKaiser Permanente is not responsible for the content or policies of external Internet sites, or mobile apps..
  • If you received financial help from the federal government to pay for your health coverage (such as a subsidy), you'll need to report the amount when you file your taxes. You must file a regular 1040 (you cannot use the 1040-EZ form) and Form 8962. Based on your results, you may get a credit, or you may have to pay money back.

Where can I get help filing my taxes?

You can get free help completing your taxes. Choices include free tax software programs or personal help. For more information, visit irs.gov/freefileKaiser Permanente is not responsible for the content or policies of external Internet sites, or mobile apps. or irs.gov/vitaKaiser Permanente is not responsible for the content or policies of external Internet sites, or mobile apps..

You can also obtain professional tax assistance. For information about choosing a tax professional, visit irs.gov/tax-professionalsKaiser Permanente is not responsible for the content or policies of external Internet sites, or mobile apps..

Download your tax form from Kaiser Permanente

If you’re getting a 1095-B from Kaiser Permanente, you’ll be able to access your 1095-B form through kp.org. Sign on to consent to receive the form(s) electronically, then download copies of your form.

For members expecting to receive a 1095-A from the marketplace, a 1095-B from the government, or a 1095-C from their employer, please contact those form issuers for additional information.

We may ask for your Social Security number

You may get a letter from Kaiser Permanente asking for your Social Security number. We know this is personal information and you may not want to share it.

We only ask for it because we need it to report to the IRS that you had health coverage, Federal law requires that we ask for such information at least 3 times.

Get more information about how we use this information.

*There are 2 years of records currently saved.