First Time Filing

This is my first time filing and doing everything myself. I have always had a family friend or my aunt just do my taxes for me. However, I moved out of state and my aunt retired. So I am having to file for 2021 and 2022, and I have no clue what I am doing. I have put this off for so long because it honestly just doesn't make any sense to me, even though I have 2 business degrees (BSBA and MIB). A few questions:

1. Is it bad that I am just now filing for 2021? What are the potential consequences for filing late?

2. I have made donations to charities, totaling about $500, that are tax-deductible. What does this really mean and where do I report these when filing?

3. I have a 1095-C from my employer for my insurance. Where do I report this or does it need to be reported?