What to Do With the New Proof of Health Insurance Tax Form

Most people simply need to keep Form 1095 with their tax files.

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I just received a Form 1095-C from my employer about my health insurance. I already filed my taxes for 2015. Do I need to make any changes because of this form, and should I have sent it in with my tax return?

You don’t need to make any changes to your return, and you don’t send the IRS a copy of the form (the IRS already received a copy from your employer). Keep the form with your tax files to provide evidence that you and your dependents had “minimum essential health coverage” for 2015. If you had eligible coverage for the full year, you should have checked the box on line 61 of your Form 1040 so you wouldn’t have to pay a penalty for going without insurance.

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Kimberly Lankford
Contributing Editor, Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.