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2.03.26 – (LAA/LUS) – IRS Tax Form 1095-C: Employer-Provided Health Insurance

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Wednesday, February 3, 2016

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IRS Tax Form 1095-C: Employer-Provided Health InsuranceLAA/LUS

Tax season is here. The Affordable Care Act requires certain employers to offer health insurance coverage to full-time employees and their dependents. American Airlines must send an annual statement to all employees eligible for coverage describing the insurance available to them. The Internal Revenue Service (IRS) created Form 1095-C to serve as that statement. This form proves that you had health insurance in 2015 and aren’t subject to penalties for not having “minimal essential coverage.”

The health care law defines which employers must offer health insurance to their workers. The law refers to them as Applicable Large Employers (ALEs). A company or organization is an ALE if it has at least 50 full-time workers or full-time equivalents. The deadline for an ALE to provide this form, including American Airlines, has been extended to March 31, 2016. 

Although information from the Form 1095-C can assist you in determining eligibility for the premium tax credit, it is not necessary to have Form 1095-C to file your return.

You can use other forms of documentation, in place of the Form 1095-C information to prepare your tax return. Other forms of documentation that would provide proof of your insurance coverage include:

  • W-2 or payroll statements reflecting health insurance deductions
  • Insurance cards
  • Explanation of benefits
  • Statements from your insurer
  • Other statements indicating that you, or a member of your family, had health care coverage

You will not need to send the IRS proof of your health coverage. However, you should keep any documentation with your other tax records. This includes records of your family’s coverage, premiums paid, and type of coverage. 

If you have other questions about tax forms, please contact your tax consultant or American Airlines Payroll Customer Center at (800) 447-2000, option 6.

Catherine Sharp
APFA National Health Chair   

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