Locate your 1095-B before you file taxes.

Fully-insured Nevada employers with less than 50 employees will be relying on their group health insurance company to provide their employees with 2015 1095 B “Health Coverage” forms.

The IRS has issued Notice 2016-4 requiring the insurance companies to postmark these forms. These must go to all 2015 covered employees by March 31st, 2016. The 2015 1095 B form is the basic proof of health insurance coverage for employees. The individual 2015 income tax return should have this form. This is so the employee will be able to avoid the Individual Shared Responsibility Payment. Many also know this as the Obamacare healthcare fine. It is the responsibility of the Nevada group health insurance company to file the same information. The information that is contained on the 1095 B form must match. The IRS needs this by May 31st.  If filed electronically, it can wait until June 30th.

Nevada group health insurance companies will be using form 109B (Transmittal of Health Coverage Information Returns). This transmits the information contained on the 1095 B form to the IRS.

To IRSTo Member
From Exchange (Healthcare.gov/State)1094 A1095 A
From Employer’s Insurance Company1094 B1095 B
From Large Employer / Self Insured1094 C1095 C


If an employee was covered by different group or individual health insurance company plans during the 2015 calendar year, they should be receiving separate 1095 B forms.

These forms should be from each one of their different health insurance companies. If an employee’s current employer switched health insurance plans during 2015 there should be more than one 1095 B. This is also true if the employee was covered by a different employer that same year. Our local Hometown Health Plan has released a statement that they will be providing the 1095 B form to their covered employees by the last day of January 2016.

For more information about health plan compliance with the Affordable Care Act, including the 1095 B reporting requirements, please don’t hesitate to call any one of our five Washoe County Resident health insurance brokers.  Our services are always free of charge, and we look forward to helping you meet the Affordable Care Act requirements.