What is a 1095-B Form?

The Affordable Care Act (also known as Obamacare) requires insurance providers to issue a form called a 1095-B that details an employee’s previous year's medical insurance coverage, including the type of coverage you had, dependents covered by your insurance policy, and the period of coverage (from the prior year). This form is used by the employee to verify on his or her tax return that the employee (and family members, if applicable) had at least minimum qualifying health insurance coverage. 

How do I access the 1095-B form? 

Domestic employees can also find a copy of their 1095-B form in their online MyGuidestone account. (For information on creating a MyGuidestone account see - MyGuideStone). Guidestone will only mail paper copies upon request. See the distribution handout below for more details. 

 

What is a 1095-C Form?

The Affordable Care Act (also known as Obamacare) requires certain employers to offer health insurance coverage to full-time employees (workers who work 30 hours a week or more) and their dependents. The IRS requires these employers to send an annual statement (1095-C) to all employees who were eligible for medical insurance coverage. The 1095-C form details for what months medical insurance coverage was offered and accepted/declined by the employee. Reliant issues 1095-C forms in January of each year to all of our employees who were benefits eligible at some point during the previous calendar year. 

Parts I and II of the 1095-C are the only sections Reliant is required to complete. The 1095-B from the insurance provider will contain your dependent information, therefore Part III of the 1095-C will not be completed. 

How do I access the 1095-C form? 

Reliant will send an email in January with a secure link and instructions to download your 1095-C. You will also receive a paper copy in the mail. Please insure your address is up to date at the end of each year, so you can receive your tax documents in the mail. 

What should I do with the 1095-B and 1095-C forms?

  1. Review your 1095-B and 1095-C forms for accuracy. If the information on either of these forms differs from what you believe it should be, notify Reliant immediately. Contact Barb Seckler — payroll@reliant.org or call 407-671-9700 ext 108.
  2. Save these forms, and when prompted by your tax adviser or tax software, enter the information into your tax-return documentation as listed on your appropriate forms. These forms do not need to be mailed to the IRS with your tax return but should be retained with your tax records in the event of an audit. For employees that accepted medical coverage from Reliant, these forms will serve as verification that the medical insurance provided by Reliant qualified as minimum essential coverage.