1095 Frequently Asked Questions
Beginning with the 2025 IRS Form 1095-C, you will no longer receive a printed, mailed copy of your 1905-C form. This is in response to The Paperwork Reduction Act (PRA), specifically H.R.3797, that eases the burden of Affordable Care Act (ACA) reporting for employers by allowing them to furnish Form 1095-C only upon request. Please note that you will still have access to print your Form 1095-C using the instructions for the Tax Form Management website.
What is a Form 1095-C?
The 1095-C contains detailed information about the health care coverage provided by your employer(s). If you were a benefit-eligible employee, or had University-sponsored elected coverage, at any point in the 2025 calendar year, then you will have a 1095-C available at Tax Form Management (www.mytaxform.com). Additional information regarding accessing your Tax Form Management information is included below.
You are not required to file your 1095-C form with your yearly tax return.
Why did I get a Form 1095-C?
Full-Time Employees: If you were a benefit-eligible employee, even if you waived that coverage, or had elected coverage at any point in 2025 then you will have a 1095-C available from the University
Part-Time Employees: If you were eligible for ACA medical coverage, even if you waived that coverage, or had elected coverage at any point in 2025 then you will have a 1095-C available from the University.
Retirees hired prior to January 1, 2010: If you and/or dependents were enrolled in the non-Medicare Retiree Lion Traditional or Retiree Lion Advantage medical plans, you and/or dependents will have a 1095-C available from the University.
*Those enrolled in Freedom Blue Medicare Advantage plan will receive a 1095 from Medicare, not the University.
Retirees hired after January 1, 2010: Those eligible to access the Retirement Health Savings Plan (RHSP) through TIAA will have a 1095-C available from the University.
COBRA Participants: If you and/or dependents are enrolled in a COBRA medical plan offered after loss of Penn State medical coverage, you and/or dependents will have a 1095-C available from the University.
You may access your 1095-C available at Tax Form Management (www.mytaxform.com).
Why did I get more than one Form 1095-C?
If you worked at more than one company or franchise, you may receive a 1095-C from each company/employer.
Why didn’t I get a Form 1095-C?
If you were not a benefit-eligible employee at any point in 2025 then you will not have a 1095-C available at Tax Form Management (www.mytaxform.com). You also may not have a 1095-C if you were not the primary insured.
When will I get my Form 1095-C?
Your electronic 1095-C form for the 2025 tax year should be accessible by no later than March 3, 2026. If you believe you should have a 1095-C but one is not available for you, please contact HR Services at (814) 865-1473.
Do I need my Form 1095-C and my W-2 to file my taxes?
You will need your 2025 W-2 to complete your 2026 tax return. The IRS clarifies that taxpayers do not need to wait for their 1095-C form before they file their 2025 taxes. Taxpayers do not need to send a copy of their form 1095-C to the IRS when filing their 2025 taxes.
The IRS website has specifically addressed information regarding no need to file the 1095-C when you file:
Question:
"Must I wait to file until I receive these forms?"
Answer:
"If you are expecting to receive a Form 1095-A, you should wait to file your income tax return until you receive that form. However, it is not necessary to wait for Forms 1095-B or 1095-C in order to file.
Some taxpayers may not receive a Form 1095-B or Form 1095-C by the time they are ready to file their tax return. While the information on these forms may assist in preparing a return, they are not required. Individual taxpayers should not wait for these forms and file their returns as they normally would.
Taxpayers can prepare and file their returns using other information about their health insurance. You should not attach any of these forms to your tax return."
What should I do with my Form 1095-C?
When you obtain your electronic 1095-C, keep it for your records.
What information is on the Form 1095-C?
There are three parts to the form:
- Part 1 reports information about you and your employer.
- Part 2 reports information about the coverage offered to you by your employer, the affordability of the coverage offered in terms of the lowest cost plan available to you, the reason why you were or were not offered coverage, and whether you did or did not enroll in the coverage offered.
- Part 3 reports information about the individuals covered under your plan, including dependents.
What is the difference between a 1095-A, 1095-B, and 1095-C?
The forms are very similar. The main difference is who provides the form to you. The entity that provides you with health insurance will be responsible for providing a Form 1095.
Please note that Penn State University as the employer in this case, you will only be provided a 1095-C from Penn State. Other forms would be provided by the responsible entity.
- You will receive a 1095-A if you were covered by a federal or state marketplace (also called an exchange).
- You will receive a 1095-B if you were covered by other insurers such as small self-funded groups or employers who use the Small Business Health Options Program (SHOP).
- You will receive a 1095-C if you received health care coverage through your employer.
What if I have questions?
If you have additional questions about your 1095-C, please contact HR Services at (814) 865-1473. You may also visit www.irs.gov or www.healthcare.gov to learn more.
Paperwork Burden Reduction Act – Consent for Online Delivery of Forms in Tax Form Manager
Starting in January 2026, Penn State will be shifting away from mailing 1095-C forms to directing employees to obtain an electronic copy of the 2025 IRS Form 1095-C. Forms are accessible through Tax Form Management (www.mytaxform.com), administered by our partner, Equifax. Employees have had access to this electronic option since 2015, when 1095-C requirements began. In order to receive an electronic copy of the 1095-C form, you must provide your consent Tax Form Management (TFM). Please use the steps below to consent to online delivery of your tax form.
Enabling Online Delivery
- Log in to mytaxform.com
- If this is your first time obtaining your electronic 1095-C form, you can create a login using the Tax Form Management User Guide below under Equifax Instructions
- You will also need the following Employer Name/Code; 16442
- For past users, you will use the login information that you previously selected. If you no longer have access with your previous information, please use the Returning User instructions within the Tax Form Management User Guide below for assistance with resetting your User ID and/or password - On right side of the screen, select ‘Delivery Selections’ tile
- Select the check box in the top right corner of 1095-C and click Receive forms online
- Disclosures will appear on the screen. Read through and select the Accept & Continue
- Your contact information will then appear to review and confirm. If anything needs to be updated, select the pencil icon in the upper right corner of the box. Make edits and select save.
- Select Confirm and submit
- Once your confirmation has been saved, you can test the system to view forms
If you have problems accessing your electronic Form 1095-C, please contact HR Services at (814) 865-1473. Your inquiry will be directed to Penn State Employee Benefits for other options available in order to access your form.