File 1095-B Online

When would you need to file a 1095-B?

Form 1095-B is used to report certain information to the IRS and to taxpayers about individuals who are covered by minimum essential coverage. Eligibility for certain types of minimum essential coverage can affect a taxpayer's eligibility for the premium tax credit.

Every person that provides minimum essential coverage to an individual during a calendar year must file an information return reporting the coverage. Filers will use Form 1094-B (transmittal) to submit Forms 1095-B (returns).

Employers (including government employers) subject to the employer shared responsibility provisions sponsoring self-insured group health plans generally will report information about the coverage in Part III of Form 1095-C instead of on Form 1095-B.

• If there are multiple owners of undivided interest in a single loan, the trustee/record owner must file Form 1095-B on behalf of all the owners.
• If a government unit or a subsidiary agent lends money that is secured by property, then the governmental unit must file Form 1095-B.
• If a loan is transferred from one holder to another, the subsequent loan holder must report events after the transfer on Form 1095-B.
• If there are multiple lenders of money secured by property, and one lender forecloses on a building, for example, the other trust holders must file Form 1095-B.
• For more, visit www.irs.gov

1095-B Decision Process

How many FTE (full-time equivalent, defined as working 30 or more hours per week) employees do you have?

How many PT employees do you have?

Choose the timeframe to calculate FT equivalency for your PT employees?

Enter the average hours worked by part-time employees

Total Full-Time Equivalent (FTE) : 0

• Fully insured and less than 50 FTE = no reporting requirement
• Fully insured and 50 FTE or more = 1095-C (Parts 1 and 2 only)
• Self-insured and less than 50 FTE = 1095-B
• Self-insured and 50 FTE or more = 1095-C (all parts)

Disclaimer: This calculator is not intended as tax advice. Consult your HR Specialist to confirm the results.

1095-B Deadline and Important Dates

With Tax1099, you can schedule the date that your forms are transmitted to the IRS. Scheduling your forms gives you time between when we email/USPS your forms to vendors and when we send the forms to the IRS. This is useful because your vendors may have edits to make. You can make those changes in Tax1099 before the scheduled date at no extra charge. We automatically schedule your IRS eFile transmission at a week away from when you submit, or by the deadline. You can edit this date to match your preference.

1095-B Fee Calculator

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Resource Center

If you’re looking for more information about the ACA regulations, reporting requirements, or IRS information on the ACA, please check the links below:

• If you are looking for details on 1095 reporting requirements:
  IRS ACA Tax Provisions
• What’s Trending for ALEs:
  IRS Info for Applicable Large Employers (ALEs)
• All about the Affordable Care Act:
  US Department of Health and Human Services
• Health Insurance Marketplace where those needing coverage can explore their options:
  Healthcare.gov
• Information for Medicaid participants:
  ACA and Medicaid