1095-B Forms FAQ

The federal government requires health insurance companies to provide fully insured subscribers with the 1095-B form to help complete their 2017 tax filings.

1095-B forms will be issued to fully insured subscribers of Blue Cross Blue Shield of Massachusetts and will list spouse and dependent information. Dependents on a parent's insurance plan will need information contained on the 1095-B form to complete their income tax returns.

If you had health insurance with multiple insurance carriers, you may receive multiple 1095-B forms. The 1095-B form you receive from Blue Cross Blue Shield of Massachusetts will indicate which months in 2017 you had qualified health insurance through Blue Cross. If you had health insurance through another carrier, you may receive a separate 1095-B form from them. If you were insured through Blue Cross for all 12 months of the 2017 tax year, the "Covered all 12 months" box will be checked off. If you were insured through us for less than 12 months, only the months that you had at least 1 day of health insurance will be checked off.

Please visit www.irs.gov/ACA for more information regarding penalties. Blue Cross Blue Shield of Massachusetts is not involved in this process.

We use our enrollment records to determine which months you had Blue Cross Blue Shield of Massachusetts coverage for at least 1 day. This is consistent with Internal Revenue Service instructions.

1095-B forms were mailed to eligible Blue Cross Blue Shield of Massachusetts subscribers who were enrolled in a health plan at some point in 2017. Please refer to your 2017 tax filing information, your tax preparation advisor, or visit the Internal Revenue Service at www.irs.gov/ACA for information on how to use the information contained in the 1095-B form to complete your federal tax filing.

All 1095-B forms sent to eligible subscribers will be post-marked by January 31, 2018. If you have not received a form by the first week of February 2018, please call Member Service at 1-888-407-5719.

Please note that not all members will receive a 1095-B form from Blue Cross Blue Shield of Massachusetts. You will not receive a form if:

  • You are enrolled in a self-funded plan
  • You only have a dental and/or vision plan through Blue Cross Blue Shield of Massachusetts
  • You are enrolled in Medicare Part B or one of our Medicare Advantage plans
  • You are enrolled in Health Savings Account plans
  • You are enrolled in wellness programs that are part of minimum essential coverage

If you still have questions about your eligibility, please refer to your tax advisor.

At this time, we only provide the 1095-B form by mail. You can contact Member Service at 1-888-407-5719 if you do not receive your form by the first week of February 2018.

1095-B form mailings are sent at different times throughout the month of January based on account. All forms sent to eligible subscribers will be post-marked by January 31, 2018. If you do not receive your form by the first week of February 2018, please call Member Service at 1-888-407-5719.

No. Subscribers can photocopy the form for the dependents

1099-HC is a health care coverage form required for Massachusetts health care reform law, and used when filing state taxes. This information will help individuals show they had minimum creditable coverage during the calendar year.

1095-B is a health care coverage form that is required under the Affordable Care Act, and will be needed for filing federal taxes. This information will help individuals show they had minimum essential coverage during the calendar year, and therefore are not liable for the individual shared responsibility payment.

If you switched plans with us within the year then you may receive more than one 1095-B from us.

If you had health insurance through another carrier during the year, you may receive a separate 1095-B form from them.

You should discuss the minimum essential coverage standards of the Affordable Care Act with your tax advisor. Additional information can be found at the Internal Revenue Service website at www.irs.gov/ACA.