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IRS Form 1095

Per the Internal Revenue Service (IRS):

You do not have to wait for either Form 1095-B or 1095-C from your coverage provider or employer to file your individual income tax return.  You can use other forms of documentation, in lieu of the Form 1095 information returns to prepare your tax return.  Other forms of documentation that would provide proof of your insurance coverage include:

  • insurance cards
  • explanation of benefits
  • statements from your insurer
  • W-2 or payroll statements reflecting health insurance deductions
  • records of advance payments of the premium tax credit
  • other statements indicating that you, or a member of your family, had health care coverage

If you and your entire family were covered for the entire year, you may check the full-year coverage box on your return.   If you or your family members did not have coverage for one or more months of the calendar year, you may claim an exemption or make an individual shared responsibility payment. 

You will not need to send the IRS proof of your health coverage. However, you should keep any documentation with your other tax records. This includes records of your family’s employer-provided coverage, premiums paid, and type of coverage.