The Purpose of IRS Form 1095-B

Use IRS Form 1095-B to report information to the IRS and your health insurance coverage recipients about the coverage you offered in the previous year. Each year, you'll need to send a copy of this Form 1095-B to the IRS and to the employee or recipient for whom you're reporting coverage, similar to filing form 1099 and form W-2. This ACA Form 1095-B shows the IRS and your recipient that they received at least the minimum essential coverage of health insurance and aren't liable for the individual shared responsibility payment.

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Deadline for IRS form 1095 B

Form 1095-B recipient copies should be furnished by March 1, 2024.

Paper filers must submit Form 1094-B along with their 1095-B forms to the IRS by February 28, 2024.

E-filers must transmit their 1095-B forms to the IRS within the end of April 1, 2024.

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The Role of IRS Form 1095-B

IRS Form 1095-B was created under IRS Internal Revenue Code Section 6055 in response to the passing of the Affordable Care Act (also known as Obamacare). Since the ACA requires Americans to have at least the MEC of health insurance coverage each year, the IRS created this form to report that insurance providers and recipients are in compliance with the law. Form 1095-B is required to be sent to the IRS by anyone who provides MEC to individuals and their recipients each year. The form provides coverage details for the recipient and includes details for the individuals covered in each household other than the policy holder. These forms are mandatory beginning in 2016 for 2015 tax year reporting.

State filing

The federal individual mandate penalty was eliminated by Congress under the Affordable Care Act so that states have made the individual mandate at the state level. In response to this, some states like Massachusetts, California, the District of Columbia, New Jersey and Rhode Island have passed their ACA’s individual mandate at the State level.

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E-file IRS 1095-B Forms

TaxBandits is the quickest and easiest way to e-file Form 1095-B. Simply create an account, click Start New Form, and then the program will take you through the steps of completing and e-filing your 1095-B forms. You can even have us mail your 1095-B recipient copies out for you just select the postal mailing package before you transmit.

Why E-file with IRSForm1095b.com?

TaxBandits is an IRS-authorized e-file provider for filing IRS 1095-B, and one of the fastest and easiest ways to e-file 1095-B or e-file 1095-C! We have built-in error checks and a bulk upload option for high volume filers. And our software is cloud-based, so there's nothing to download and all of your information is saved for future filings. Give taxbandits.com a try today to see how easy it can be to e-file Form 1095-B and stay ACA compliant


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Form 1095-B FAQs

Form 1095-B requires the following information:

  • Recipient details
  • Employer Sponsored Coverage details
  • Issuer or Other Coverage Provider details
  • Covered Individual details (if applicable)

Anyone who received at least MEC from an employer providing self-insured plans, an insurance company, Medicaid, CHiP, etc. will receive a Form 1095-B reporting the coverage they received.

If you believe there's incorrect information on your Form 1095-B, you'll need to contact the issuer of your form (either your employer, insurance provider, or a local county office of human/social services).

Similar to a 1099 or W-2, your Form 1095-B will be mailed to you by your insurance provider. If they have written authorization from you to do so, you may receive your Form 1095-B via email.