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Form 1095B: Health Coverage
IRS Form 1095-B is used to report Health Coverage information for individuals and their tax family by the Department of the Treasury Internal Revenue Service. This form provides details on minimum essential coverage, and providers are required to furnish only one copy per individual.
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IRS Form 1095B - Health Coverage
IRS Form 1095-B is used to report Health Coverage information for individuals and their tax family by the Department of the Treasury Internal Revenue Service. This form provides details on minimum essential coverage, and providers are required to furnish only one copy per individual.
Risk Radar
Scan points- 1Do not attach Form 1095-B to your tax return; keep it for your records only.
- 2Failing to attach Form 1095-B to the tax return when filing with the IRS.
- 3Forgetting to enter the Origin of the Health Coverage code in Part I, Line 8.
- 4Omitting coverage details for an individual listed on the Continuation Sheet (Part IV).
- 5Not checking Box (d) if the covered individual was not covered all 12 months.
Plain English
This form tells the IRS which health insurance plans covered you or your family during a specific year. It reports that you had 'minimum essential coverage,' which includes government programs or eligible employer plans. By filing this Form 1095-B, you confirm the details of your coverage for tax purposes.
Submission Date
- Filing date: 2025-10-09 22:10:14
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
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Glossary Terms
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What this form is for
- Use this form when an individual or their tax family had certain health coverage (minimum essential coverage) during the year, as reported by a provider.
- Do not use this form when filing if you are reporting coverage that is not considered minimum essential coverage, which includes government-sponsored programs, eligible employer-sponsored plans, and individual market plans.
- Check Form 1095-A instead when coverage was received through a Health Insurance Marketplace (Exchange).
Form selector
Use this form or another form?
Employer provided self-insured coverage
This part may provide details about the employer sponsoring the coverage.
✓ Check Part II lines 10–15.
Coverage was through a Marketplace (Exchange)
Coverage received via an Exchange is generally reported on this form instead of Form 1095-B.
✓ Check for mention of 'Health Insurance Marketplace'.
Employer sponsored coverage details provided separately
If employer-sponsored coverage details are reported here, they may be reported on a Form 1095-C instead of this form's Part II.
✓ Check if the provider used Form 1095-C.
Coverage is government-sponsored under a program like Medicaid/Medicare
This type of coverage is included in minimum essential coverage and will be reported on Form 1095-B.
✓ Check line 8 for code 'C'.
Employer information is not provided by the provider
Part II may be left blank even if employer-sponsored health coverage was received; in this case, no action is needed regarding that part.
✓ Verify if lines 10–15 are entirely blank.
Deadline or filing window
This form reports coverage for a specific year, but no hard filing deadline is stated on the form itself. Providers furnishing this document are required to furnish only one copy per individual covered under the policy. For more information regarding deadlines, check www.irs.gov/Form1095B.
Checklist
What you need before filling it out
Responsible Individual Name
First name, middle name, last name · Part I (Lines 1)
SSN or other TIN
SSN or other TIN · Part I (Line 2)
Origin of Health Coverage Code
A, B, C, D, E, F, G · Part I (Line 8)
Employer EIN
Employer identification number (EIN) · Part II (Line 11)
Coverage Provider Contact Number
Telephone number · Part III (Line 18)
Date of Birth (Covered Individual)
DOB · Part IV (Column c)
Before you submit
- 1Verify the Responsible Individual's name and address are accurately entered on lines 1 through 7 of Part I.
- 2Confirm a letter code is present in Line 8 of Part I to identify the Origin of Health Coverage.
- 3Check Part IV for every covered individual to ensure all required fields (Name, SSN/TIN) are populated.
- 4For each covered person in Part IV, confirm that Column (d) is checked if they were covered for at least 1 day in every month.
- 5If employer-sponsored coverage exists, check Part II to ensure the Employer Name and EIN are listed (even if only the last four digits appear).
- 6Check Part III to verify the Issuer/Provider's contact telephone number is present on line 18.
- 7Ensure that a copy of Form 1095-B is kept for personal records after filing.
How to file this form
- 1Complete Part I by entering the responsible individual’s name, SSN/TIN, DOB (if needed), and full address.
- 2Fill out Part II if applicable, providing details about the employer sponsoring the coverage, including the EIN.
- 3Complete Part III by listing the coverage provider's name, EIN, contact phone number, and address.
- 4Detail each covered individual in Part IV, ensuring you check the appropriate boxes for months of coverage (Jan–Dec).
- 5Review all sections to confirm that only one Form 1095-B is furnished per individual by the provider.
- 6Sign and date the form before sending it (signing is implied as a general requirement not listed on specific lines, but necessary for filing).
- 7Keep a copy of the completed IRS Form 1095-B for your personal records.
Known limitations
- 1The Form 1095-B does not attach to a tax return.
- 2If an individual or family member received coverage through a Health Insurance Marketplace (Exchange), that coverage is generally reported on Form 1095-A, not Form 1095-B.
- 3Employer-sponsored coverage may be reported on Form 1095-C (Part III) instead of Form 1095-B.
Field map
Compact field-by-field guide
Payer Info
1 items
Identifying information of the business or person making the payment.
Recipient Info
1 items
Identifying information of the person or entity receiving the payment.
Amounts
1 items
The payment amount subject to reporting for the applicable box category.
Withholding
1 items
Backup withholding amount if applicable.
Signatures
1 items
Name and phone number of the person to contact about this return.
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Fillable formOpen in Editor->The current edition is 20/25, and the document indicates that users should go to www.irs.gov/Form1095B for instructions and the latest information.
What changed or needs a fresh check
- Edition date — confirm the form reads 20/25.
- Revision creation date — confirm the document states it was created on 9/24/25.
- OMB Number — confirm the number is 1545-2252 560118.
- Tax Year reported — confirm the year listed in Part IV columns is '2025'.
- Recipient instructions location — confirm the instructions are found on Page 2 of this form.
Quick Facts
Downloads
After you file
- 1Keep a copy of the completed Form 1095-B for personal records.
- 2If other individuals are covered under the same policy, provide them with a copy if they request it.
- 3The recipient should go to www.irs.gov/Form1095B for instructions and the latest information regarding this form.
- 4For questions about ACA provisions or the premium tax credit, contact the IRS Healthcare Hotline at 800-919-0452.
Sources
- SRCInstructions p.2 — This form provides information about individuals in your tax family (yourself, spouse, and dependents) who had certain health coverage for some or all months during the year.
- SRCInstructions p.2 — Minimum essential coverage includes government-sponsored programs, eligible employer-sponsored plans, individual market plans, and other coverage the Department of Health and Human Services designates as minimum essential coverage.
- SRCForm p.1 — Part I lists fields for the Responsible Individual: Name (Line 1), SSN/TIN (Line 2), DOB (Line 3), Address details (Lines 4-7), and Origin Code (Line 8).
- SRCInstructions p.2 — Line 8 codes include A (SHOP), B (Employer-sponsored coverage), C (Government-sponsored program), D (Individual market insurance), E (Multiemployer plan), F (Other designated minimum essential coverage), G (HRA).
- SRCForm p.1 — Part IV requires entering information for each covered individual, including Name (a), SSN/TIN (b), DOB (c), and a check for 12 months of coverage (d).
- SRCInstructions p.2 — The provider is required to furnish only one Form 1095-B for all individuals whose coverage is reported on that form.
Common confusion points
What if my SSN is not available for a covered individual?
The Date of Birth (DOB) will be entered on line 3 of Part IV, column (c).
→ Check that the DOB field is populated when the SSN/TIN field in column (b) is blank.
When should I use Form 1095-B instead of Form 1095-C?
If you have coverage from an issuer or other provider, Part III may be used to report it.
→ Check if the coverage is employer-sponsored; if so, review if Part II (Employer Info) is filled out.
Does every person on my tax family need their own Form 1095-B?
Providers are required to furnish only one Form 1095-B for all individuals whose coverage is reported on that form.
→ Confirm that the single copy covers everyone listed in Part IV.
What does 'Minimum Essential Coverage' include?
It includes government-sponsored programs, eligible employer-sponsored plans, individual market plans, and other coverage designated by the Department of Health and Human Services.
→ Verify the type of coverage matches one of these categories before filing.
Why might Part II be blank even if I have employer-sponsored coverage?
This part may be left blank in Form 1095-B even if you had employer-sponsored health coverage.
→ If Part II is blank, no further action is needed regarding that section of the form.
What codes should I use for line 8 (Origin of Health Coverage)?
Codes include A (SHOP), B (Employer-sponsored), C (Government-sponsored), D (Individual market insurance), E (Multiemployer plan), F (Other designated minimum essential coverage), and G (HRA).
→ Ensure the single letter entered accurately reflects the source of the health coverage.
Workflow map
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⚠ If something goes wrong
- For general instructions and the latest information, consult www.irs.gov/Form1095B.
Questions about IRS Form 1095B
What is IRS Form 1095B used for?
This form tells the IRS which health insurance plans covered you or your family during a specific year. It reports that you had 'minimum essential coverage,' which includes government programs or eligible employer plans. By filing this Form 1095-B, you confirm the details of your coverage for tax purposes.
Who must file IRS Form 1095B?
The recipient of IRS Form 1095-B must file it; providers of minimum essential coverage are required to furnish it.
What information does IRS Form 1095B require?
Part I reports information about the responsible individual. Part II provides details on certain employer-sponsored coverage, and Part III lists the issuer or other coverage provider. Part IV contains the specific name, SSN/TIN, and monthly coverage data for each covered individual.
When is IRS Form 1095B due?
The source does not state a specific filing deadline date, but it is used to report coverage for 'some or all months during the year.'
Where do I file IRS Form 1095B?
The form directs users to www.irs.gov/Form1095B for instructions and the latest information; recipients should keep a copy.
How do I complete IRS Form 1095B?
First, complete Part I with the responsible individual's information. Next, fill out Parts II and III if applicable. Finally, detail each person covered in Part IV, ensuring you mark whether they were covered for 12 months or list the specific months of coverage.
What happens if IRS Form 1095B is filed incorrectly?
The source does not explicitly state a penalty for filing incorrectly, but it notes that providers are required to furnish only one Form 1095-B for all individuals whose coverage is reported on that form.
What if my SSN is not available for a covered individual?
The Date of Birth (DOB) will be entered on line 3 of Part IV, column (c). Check that the DOB field is populated when the SSN/TIN field in column (b) is blank.
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