Health Insurance Tax Forms
Under the Affordable Care Act all Applicable Large Employers (ALEs) are required to provide an annual statement to each full-time employee on any health coverage offered to the employee and file the information with the IRS.
Who Receives the Form(s)
If you worked on a full-time basis at any point during the prior calendar year for an employer that qualifies as an ALE, you may receive a 1095-C and/or 1095-B via U.S. mail. These forms are sent to all full-time employees, even if coverage was not offered or elected. Please note that if your employer does not qualify as an ALE, no forms will be issued.
When to Check your Mailbox
We will begin to distribute Forms 1095-C in late December. If you have not received your form by mid-February and you worked full time hours in the prior calendar year, please reach out to your MyLife Advisor.
How to Ensure you Receive the Form(s)
Log in to My TotalSource to confirm the following information is correct:
- Your name
- Your address
- Your Social Security number
For assistance with registration or login visit Enrolling in Your Benefits, or you may contact a MyLife Advisor at 1-844-448-0325 immediately if you need to make any changes.
FAQs
The Form 1095-C is a tax form sent to full-time employees of an Applicable Large Employer (ALE) to indicate whether the ALE offered and/or provided group health coverage. It will provide you with information that you may need to complete your personal income tax filing.
You received a Form 1095-C because your employer is considered an “Applicable Large Employer” (ALE) under the Affordable Care Act. Therefore, your employer is subject to certain requirements, including an annual requirement to file certain information with the IRS regarding the benefits it offers to its full-time employees.
Please contact a MyLife Advisor as soon as possible at (844) 448-0325.
Due to the unique nature of the co-employment relationship between ADP TotalSource and your employer, the employer information included on the Form 1095-C and the Form W-2 is different. The Form 1095-C must contain specific employer information in the Employer section of the form. However, because ADP TotalSource is the “employer of record” for tax withholding and reporting purposes, ADP TotalSource is listed in the Employer section of the Form W-2.
No. Your specific employer should be listed as the Employer on the Form 1095-C. Since there is no error we are not able to issue a different form.
Log in to ADP TotalSource and select Myself > Annual Statements > 1095-C column to reprint a copy.
If your employer is not an ALE, or you were not a full-time employee at any point during the prior calendar year, you will not be issued a Form 1095-C.
If you believe that you should have been issued a Form 1095-C , it will be accessible on ADP TotalSource. Simply log in and select Myself > Annual Statements > 1095-C column. Otherwise, if you do not see a Form 1095-C in this section, you may have not needed to have one issued to you.
If you worked on a full-time basis for an ALE at any point during 2024 prior to beginning your COBRA coverage, you will be issued a Form 1095-C. If you did not work on a full-time basis at any point during 2024, you will not receive a Form 1095-C.
Form 1095-B is an annual form issued by a health insurance carrier that shows on a monthly basis the coverage you and your dependents had during the previous calendar year.
The Form 1095-C is issued to you by your employer and provides information about the coverage offered to you by your employer. A Form 1095-B is issued by the insurance carrier and provides details about the health insurance coverage you elected, including who in your family was covered.
If you were covered by more than one insurance carrier during 2024, you will receive a Form 1095-B from each carrier. This can include health insurance carriers that provided coverage through the ADP TotalSource Health and Welfare Plan, or other carriers.
If you have questions about Form 1095-B, or the information reported on your form, call the insurance carrier’s contact number listed on the form (Part III – Line 18) or call the number on the back or your insurance card.
You should keep any Form 1095-B and Form 1095-C you receive with other forms and documents you utilize to complete your personal income tax return, such as your Form W-2. You should also provide a copy of any Form 1095-B you receive to any dependent(s) covered under the policy who may be filing a separate tax return, as the insurance carrier is only required to furnish one Form 1095-B to you.