Form 1095-B, Health Coverage, is the Internal Revenue Service (IRS) form that reports which people in a tax family had minimum essential coverage and for which months. If you received a 1095-B for 2025, it is a statement for your records, not a return: the form says not to attach it to your tax return. On this page you can fill out the form online on FillingPDF and download or print the completed PDF. The original PDF and the instructions are published by the IRS at www.irs.gov/Form1095B.
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What is 1095-B?
Form 1095-B, Health Coverage, is the IRS form on which a provider of minimum essential coverage reports the individuals who were covered for some or all months of the year, giving a recipient information about the people in their tax family.
The IRS agency page describes the form as a way to report certain information to the IRS and to taxpayers about individuals covered by minimum essential coverage, who are therefore not liable for the individual shared responsibility payment. The form's instructions for recipients explain that minimum essential coverage includes government-sponsored programs, eligible employer-sponsored plans, individual market plans and other coverage the Department of Health and Human Services designates.
The form has four parts:
- Part I, Responsible Individual (lines 1-9), which identifies you and, on line 8, the origin of the coverage by a single letter from A to G.
- Part II, Information About Certain Employer-Sponsored Coverage (lines 10-15), which may show only the last four digits of the employer's EIN or be left blank.
- Part III, Issuer or Other Coverage Provider (lines 16-22), with the provider's name, EIN and contact telephone number.
- Part IV, Covered Individuals (lines 23-28, with continuation lines 29-40), which lists each covered person and the months covered.
Form 1095-B is not the form for every kind of coverage. Marketplace (Exchange) coverage is generally reported on Form 1095-A, and employer-sponsored coverage may be reported on Form 1095-C (Part III). The form carries OMB No. 1545-2252.
Who needs to file 1095-B?
Individuals who had minimum essential coverage for some or all months of 2025 are the people this form reports on. The recipient's instructions describe the tax family as yourself, your spouse and your dependents, and Part I names you as the responsible individual.
Coverage providers complete the form. Part III covers insurance companies, employers providing self-insured coverage, government agencies sponsoring coverage under programs such as Medicaid or Medicare, and other coverage sponsors. A provider furnishes only one Form 1095-B for all individuals whose coverage is reported on it.
As the recipient, you should give a copy to other individuals covered under the policy if they ask for it for their records.
Exclusions and alternatives:
- If you or a family member got coverage through a Health Insurance Marketplace, that coverage is generally reported on Form 1095-A instead.
- If you or a family member had employer-sponsored coverage, it may be reported on Form 1095-C (Part III) rather than on Form 1095-B.
- If Part II is blank, you do not need to fill it in or return it to your employer or coverage provider.
When to file 1095-B
Form 1095-B is not filed by the person who receives it. The form states "Do not attach to your tax return. Keep for your records," so there is no recipient deadline to meet. The version on this page reports coverage for 2025, the year printed at the top, and the form prints no due date of its own.
The form reports coverage by month. Column (d) is checked if the person was covered for at least 1 day in every month of the year, and column (e) shows the individual months for anyone covered for only part of the year. If more than six individuals are covered, the additional people go on the Part IV continuation sheet.
For questions about timing or about how the information is used, the form points to www.irs.gov/ACA and the IRS Healthcare Hotline at 800-919-0452.
How to fill out 1095-B
Enter the responsible individual
In Part I, line 1, enter the first, middle and last name of the responsible individual. Lines 4 to 7 take the street address (including apartment no.), city or town, state or province, and country and ZIP or foreign postal code.
Enter the SSN or date of birth
Line 2 takes the SSN or other TIN, which may show only the last four digits. Enter the date of birth on line 3 only if line 2 is blank.
Select the origin of the coverage
On line 8, enter one letter: A (SHOP), B (employer-sponsored coverage), C (government-sponsored program), D (individual market insurance), E (multiemployer plan), F (other designated minimum essential coverage) or G (individual coverage HRA). Leave line 9 as printed; it is Reserved.
Complete the employer section if it applies
In Part II, lines 10-15, enter the employer name, EIN and address for employer-sponsored coverage. The EIN may show only the last four digits, and the part may be left blank.
Enter the issuer or coverage provider
In Part III, line 16 takes the provider's name, line 17 its EIN and line 18 a contact telephone number. Lines 19 to 22 take the street address (including room or suite no.), city or town, state or province, and country and ZIP or foreign postal code.
List each covered individual
In Part IV, lines 23-28, enter in column (a) the first name, middle initial and last name of each person covered, and in column (b) the SSN or other TIN. Enter a date of birth in column (c) only if no SSN or TIN is entered.
Mark the months of coverage
Check column (d) for a person covered for at least 1 day in every month. For anyone covered only part of the year, mark the months in column (e), Jan through Dec.
Use the continuation sheet if needed
If more than six individuals are covered, complete Part IV, Continuation Sheet, lines 29-40, on page 3. Repeat the name and SSN or other TIN of the responsible individual and the date of birth, if the SSN or TIN is not available, at the top of that sheet.
Review and download the completed PDF
Check that names, numbers and months match the coverage records, and that only one letter appears on line 8. Download or print the completed PDF from FillingPDF and keep it with your records; the form says not to attach it to your tax return.
How to submit 1095-B
A recipient does not submit Form 1095-B anywhere: the form says not to attach it to your tax return and to keep it for your records. The channels that matter are for getting, sharing and asking about the form.
- Your coverage provider: Part III identifies the provider, and line 18 gives a telephone number you can call with questions about the information on the form.
- Other covered individuals: a provider furnishes only one Form 1095-B for everyone on it, so give a copy to other covered individuals if they request it.
- The IRS: the coverage provider reports your complete SSN or other TIN to the IRS, even when your copy shows only the last four digits.
- IRS help: call the IRS Healthcare Hotline at 800-919-0452 or go to www.irs.gov/ACA. Instructions and the latest information are at www.irs.gov/Form1095B.
If Part II is blank, you do not need to return anything to your employer or coverage provider. FillingPDF lets you fill out and download the PDF; submission, where it applies, follows the agency's channels.
Common mistakes to avoid
- Attaching Form 1095-B to your tax return; the form says not to attach it and to keep it for your records.
- Expecting Marketplace coverage on Form 1095-B; that coverage is generally reported on Form 1095-A, and employer-sponsored coverage may be on Form 1095-C (Part III).
- Entering more than one letter on line 8; only one letter from A to G identifies the origin of the coverage.
- Entering a date of birth on line 3 or in column (c) when an SSN or other TIN is already entered; a date of birth is entered only when the number is not available.
- Checking column (d), covered all 12 months, for someone who was not covered for at least 1 day in every month.
- Squeezing more than six covered individuals into lines 23-28 instead of using the Part IV continuation sheet, lines 29-40.
- Writing something on line 9, which is marked Reserved.
- Sending a blank Part II back to the employer or coverage provider; the instructions say you do not need to fill it in or return it.
Frequently asked questions
What is Form 1095-B?
Form 1095-B, Health Coverage, is the IRS form that reports individuals who had minimum essential coverage for some or all months of the year. It gives you information about the people in your tax family and serves to report the coverage to the IRS and to taxpayers.
Do I attach Form 1095-B to my tax return?
No. The form states "Do not attach to your tax return. Keep for your records." It gives you information about your coverage; the coverage provider reports your complete SSN or other TIN to the IRS separately.
What is the difference between Form 1095-B and Form 1095-A?
Form 1095-A reports coverage through a Health Insurance Marketplace (Exchange), while Form 1095-B reports other minimum essential coverage, such as government programs or individual market plans. The form's recipient instructions say Marketplace coverage is generally reported on Form 1095-A.
Is employer coverage reported on Form 1095-B or Form 1095-C?
It can be either. The recipient instructions say employer-sponsored coverage may be reported on Form 1095-C (Part III) rather than on Form 1095-B. Part II of Form 1095-B may show employer details for certain employer-sponsored coverage or be left blank.
Why does my Form 1095-B show only the last four digits of my SSN?
The form may show only the last four digits for your protection. The coverage provider is still required to report your complete SSN or other TIN to the IRS. Your date of birth appears on line 3 only if line 2 is blank.
What do the letters on line 8 mean?
Line 8 shows one letter for the origin of the coverage: A, SHOP; B, employer-sponsored coverage; C, government-sponsored program; D, individual market insurance; E, multiemployer plan; F, other designated minimum essential coverage; G, individual coverage HRA.
How do other family members get their own copy of Form 1095-B?
The provider furnishes only one Form 1095-B for all individuals whose coverage is reported on it. As the recipient, you should give a copy to other covered individuals if they ask for it for their records.
Can I fill out Form 1095-B online on FillingPDF?
Yes. You can fill out the fillable PDF online on FillingPDF and download or print it. FillingPDF does not file the form or send it to the IRS or to anyone else; the IRS instructions say recipients keep the form for their records.
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