Employer-Sponsored Health Coverage and the Marketplace

I received a Form 1095-C in the mail. What’s that?

Large employers must provide their employees with Form 1095-C to document that health coverage was offered the previous year. Every employee of a large employer who was eligible for health coverage the previous year should receive a Form 1095-C by mail or electronically by mid-March, even if you declined to sign up for your health plan at work. Information on this form will also be reported to the IRS.

Form 1095-C will indicate your name and the name of your employer, the months when you were eligible for coverage, and the cost to you of the cheapest monthly premium you could have enrolled in under your employer’s health plan. If you worked for a large employer that did not offer its full-time employees health coverage, Form 1095-C will also indicate that.

Keep this form with your tax records. You may need this form if you were offered health coverage by your employer and you did not sign up for it. If you signed up for Marketplace coverage instead and received a premium tax credit in 2024, information on Form 1095-C will help you determine whether you were eligible for the tax credit. If you signed up for Marketplace coverage and received a premium tax credit, and if your employer offered you coverage that was determined to be affordable (no more than 8.39% of your household income in 2024), you may have to repay some or all of the tax credit you received in 2024. Click here for more information.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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The independent source for health policy research, polling, and news, KFF is a nonprofit organization based in San Francisco, California.