Form 1095-C Information

Form 1095-C is provided in accordance with the Affordable Care Act (ACA) and reports information about health insurance coverage offered by your employer.

You do not need to submit Form 1095-C with your tax return, but you should keep it with your tax records. For specific questions about how this form may impact your personal tax situation, please consult a qualified tax professional.

Distribution

Under the Paperwork Burden Reduction Act, effective December 23, 2024, employers are no longer required to automatically distribute Form 1095-C to individuals.

Employers with 50 or more full-time employees are required to furnish Form 1095-C to eligible employees each year, upon request.

Requests for Form 1095-C will be provided the later of January 31, or 30 days after the date of the request.

Effective February 20, 2026, you can access an electronic copy of your Form 1095-C, by completing the following two steps with Equifax, our administrator:


If you do not opt-in to access the form electronically, please reach out to URHR@richmond.edu to request a paper copy which will be mailed within 30 days of the request.

Frequently Asked Questions & Answers about the Form 1095-C:

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  • What is Form 1095-C?

    Form 1095-C provides information about the health insurance coverage your employer offered to you during the calendar year. You may receive this form if you were:

    • A full-time employee (averaging 30 or more hours per week), and/or
    • Enrolled in your employer’s health insurance plan at any time during the year.

  • Who receives a Form 1095-C?

    Form 1095-C is issued by employers with 50 or more employees to:

    • Employees who were considered full-time for any part of the year, and/or
    • Employees who were enrolled in the employer’s health plan.

  • Will I be fined if I did not receive a Form 1095-C?

    There is currently no federal penalty for not having health insurance coverage. However, some states have individual health coverage requirements. Please consult a tax advisor or your state’s tax authority for guidance.

  • Will I be fined if I did not receive a Form 1095-C?

    There is currently no federal penalty for not having health insurance coverage. However, some states have individual health coverage requirements. Please consult a tax advisor or your state’s tax authority for guidance.

  • When will I receive my Form 1095-C?
    Forms are provided upon request.

    Requests for Form 1095-C will be provided the later of January 31, or 30 days after the date of the request.

    Effective February 20, 2026, you can access an electronic copy of your Form 1095-C, by completing the following two steps with Equifax, our administrator:

    If you do not opt-in to access the form electronically, please reach out to URHR@richmond.edu to request a paper copy which will be mailed within 30 days of the request.

  • What should I do with my Form 1095-C?

    Keep Form 1095-C with your tax records. You do not need to submit it with your tax return unless requested.

  • What information is included on Form 1095-C?
    • Part I: Information about you and your employer
    • Part II: Details about health coverage offered, affordability, and eligibility
    • Part III (if applicable): Information about individuals covered under the plan, including dependents

  • How does Form 1095-C affect my taxes?

    While Form 1095-C is not required to file your tax return, discrepancies between employer and employee reporting may result in IRS inquiries or delays.

  • Do I need Form 1095-C to file my taxes?

    No. You can file your tax return without Form 1095-C, but you should keep it for your records.

  • What is the difference between Forms 1095-A, 1095-B, and 1095-C?
    • 1095-A: Issued by the Health Insurance Marketplace
    • 1095-B: Issued by insurance providers or small self-funded employers
    • 1095-C: Issued by large employers providing health coverage

  • What if I have additional questions?

    For questions about your Form 1095-C, please contact Human Resources. You may also visit the IRS or Healthcare.gov websites for additional information.