How to Get a Copy of My Form 1095-B Online: A Step-by-Step Guide

How to get a copy of my 1095-B Form online? You should contact your health insurance provider/benefits portal, or government agency responsible for the coverage, for an electronic copy. If you cannot find it online, contact the organization that provided your health coverage and request a copy of Form 1095-B.

You generally do not need to attach Form 1095-B to your federal tax return, but you should keep it with your tax records. This guide provides you with information about where to find Form 1095-B, how to request a replacement, and how Form 1095-B differs from Form 1095-A and Form 1095-C. 

Can I Get My Form 1095-B Online? 

You may be able to access Form 1095-B online if the provider offers electronic delivery and you have given consent to receive tax forms electronically. The IRS allows certain providers to clear, conspicuous, and accessible website notice allowing the individual to request a copy.

How to Get a Copy of My 1095-B Form Online? 

To get a copy of your Form 1095-B online, sign in to your specific health insurance provider’s member portal and follow these steps. 

Step 1: Identify Who Provided Your Health Coverage 

First, identify who provided or administered your health coverage for the applicable year. Depending on your coverage, Form 1095-B may come from an insurance company, an employer or self-insured health plan, a state agency administering Medicaid or CHIP, Medicare, or another government program.

Step 2: Check your Provider’s Website or Online Account 

Sign in to your health insurance provider’s website or online account, if available, and look for sections such as Tax Documents, Tax Forms, Form 1095-B, Health Coverage Documents, Statements, Documents & Forms, or Year-End Tax Documents. If an electronic copy is available, you may be able to view, download, or print Form 1095-B. 

Step 3: Check Your Employer or Benefits Portal, If Applicable  

If your coverage is provided through an employer, check the employer’s benefits or payroll portal, if available, for Tax Documents, Health Benefits, Form 1095-B, Year-End Documents, or similar sections. The form you receive depends on the type of employer-sponsored coverage and the reporting requirements that apply to the employer or plan. For example, certain self-insured employer plans may use Form 1095-B, while applicable large employers generally use Form 1095-C to report employer-sponsored coverage. 

Step 4: Look for an Electronic Delivery Notification 

If you opted to receive tax documents electronically, check your email for a notification from your insurer, employer, or other organization responsible for your coverage. You can also search your email for terms such as “1095-B,” “health coverage,” “insurance,” or “tax document.” If you were expecting an electronic notification but cannot find it, check your spam or junk folder. 

Step 5: Request a Copy If You Cannot Find It

If your form is not found online, contact the organization responsible for providing the form for the applicable coverage year.

Where Can I Get My Form 1095-B Online? 

Based on the type of health coverage, you must contact your insurance provider, government agency, or employer to issue the form electronically or provide instructions to request a copy. 

Private Insurance

If you had health coverage outside the Health Insurance Marketplace, your insurer or other responsible provider may provide Form 1095-B to report that coverage. In contrast, Marketplace coverage is generally reported on Form 1095-A. Check your insurer’s online member portal or contact the insurer directly if you need a copy of Form 1095-B.

Medicaid/CHIP 

If your Medicaid or Children’s Health Insurance Program (CHIP) coverage, the state agency generally files Form 1095-B to report coverage. If you need a copy, check whether your state Medicaid or CHIP agency provides online access or contact the agency directly to request one.

Medicare 

If you have Medicare Part A, including coverage through a Medicare Advantage plan, you can request Form 1095-B by calling 1-800-MEDICARE at 1-800-633-4227. Medicare’s published instructions direct beneficiaries to request a copy by phone.

Employer-Sponsored Coverage 

For insured employer-sponsored coverage, the insurer generally reports coverage on Form 1095-B, while employers with self-insured plans generally report covered individuals on Form 1095-B. Applicable large employers (ALEs) generally use Form 1095-C to report offers of coverage and enrollment information to full-time employees. 

VA/Government Coverage 

For certain VA and government-sponsored programs, report coverage through a dedicated government agency. To request documentation, check the program’s online resources or contact the agency that administers your coverage. 

Why Didn’t I Receive My Form 1095-B This Year? 

You may not receive Form 1095-B automatically because the IRS allows providers to use an alternative furnishing method. They can post a clear notice on their website explaining how to request a copy, and the deadline for providing a requested statement is the later of January 31 following the coverage year or 30 days after the request. 

What Information Is Included on Form 1095-B? 

Form 1095-B is an IRS document reporting that you and your dependents had minimum health coverage.

• Part 1 of the form addresses the responsible individual information, which includes name, Social Security Number (SSN), address, and information about the responsible individuals. 
• Part II provides information about the employer-sponsored coverage, including the employer’s name, address, and employer identification number (EIN), and the reporting circumstances. 
• Part III identifies the health insurance provider or other organization responsible for providing the coverage with EIN, name, address, and contact information. 
• Part IV identifies an individual and their dependents of the health plan and calendar month checkboxes for active coverage status. 

Form 1095-A vs. 1095-B vs. 1095-C 

Understanding the differences between IRS forms 1095-A, 1095-B, and 1095-C is essential for accurate tax filing. All these forms are proof-of-coverage documents related to the ACA forms, which are issued by different organizations and serve different purposes.

Feature	Form 1095-A	Form 1095-B	Form 1095-C
What It Reports	Health insurance purchased through Health Insurance Marketplace	Certain health coverage, including non-marketplace coverage	Employer-sponsored health coverage, including offers of coverage and application enrollment information
Who Files It?	Health Insurance Marketplace. May require filing Form 8962 depending on Marketplace/PTC circumstances.	Generally, the insurance provider, government agency, or other responsible entity; certain self-insured employers may also file it	Generally, an Applicable Large Employer (ALE)
Received By	Individuals enrolled in Marketplace health plan	Individuals with coverage that is reported on Form 1095-B	Full-time employees of ALEs and certain individuals enrolled in an ALE’s self-insured plan.

Getting a copy of your Form 1095-B online begins with understanding which organization provides your health coverage and the place where your organization’s records are available. You need to know how to find the right document and use the contact insurance provider/portal to avoid unnecessary delays. Need help with your tax filing? Tax2efile makes e-filing simple and convenient, with an easy-to-follow process and support. 

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