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New Member
posted Jun 3, 2019 1:01:48 PM

1095a vs 1095b form

I can't find my 1095a form, is there sufficient info included on the 1095b to answer questions required for filing?

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1 Best answer
Expert Alumni
Jun 3, 2019 1:01:49 PM

No, it is not sufficient, unfortunately. You must have form 1095-A.  In fact, form 1095-A is more important than form 1095-B.  Form 1095-B is only a receipt confirmation that you had insurance through the employer and is not even entered on your tax return.  All you have to do is indicate that you had insurance for the months that show on form 1095-B.

Form 1095-A is the one that calculates how much insurance premiums you paid, how much government paid and, based on your income if have to pay some of it back or receive a Premium Tax Credit. 

I recommend that you contact 1095-A issuer and request a copy or log into your account and see if you can print it there...Otherwise, your return will not be complete and accurate and you may receive a letter from the IRS in the summer asking to correct it.

4 Replies
Expert Alumni
Jun 3, 2019 1:01:49 PM

No, it is not sufficient, unfortunately. You must have form 1095-A.  In fact, form 1095-A is more important than form 1095-B.  Form 1095-B is only a receipt confirmation that you had insurance through the employer and is not even entered on your tax return.  All you have to do is indicate that you had insurance for the months that show on form 1095-B.

Form 1095-A is the one that calculates how much insurance premiums you paid, how much government paid and, based on your income if have to pay some of it back or receive a Premium Tax Credit. 

I recommend that you contact 1095-A issuer and request a copy or log into your account and see if you can print it there...Otherwise, your return will not be complete and accurate and you may receive a letter from the IRS in the summer asking to correct it.

New Member
Jun 3, 2019 1:01:51 PM

The 2 forms have completely different information.  If you got insurance through the Marketplace (healthcare.gov) then you do need Form 1095A to complete your tax return. You can go to  www.healthcare.gov to get a copy.

New Member
Jan 19, 2021 3:15:51 PM

I am provided with healthcare by the Government due to Camp Lejeune Toxic Water and only receive a 1095-B as I do not have insurance elsewhere.  What happens in this scenario

Level 15
Jan 19, 2021 3:18:47 PM

If you only got a 1095B just say you had insurance.  You don't enter the 1095B or 1095C.  Only if you got a 1095A.