1095-C Information

What is the 1095-C?

This new form, related to the Affordable Care Act (ACA), is a certificate of Employer-Provided Health Insurance Offer and Coverage.  Beginning with tax year 2015, this form is required by all large employers to report offers of health coverage and enrollment in health coverage.

Why am I receiving a 1095-C?

All employees receive a copy of their 1095-C as certification of the month(s) in which they have received the minimum essential health care coverage under Northwestern's benefits plans.

What do I need to do with my 1095-C?

Northwestern files the 1095-C directly with the IRS; the copy that you receive is for your information only.  You should retain a copy of the form, but should not attach it when submitting your tax return.  When completing your return, you will be asked if you had full-year coverage (line 61 on Form 1040).  Your 1095-C will provide the information you need to answer this question.

What if I did not receive a 1095-C?

You will receive a 1095-C only if you have enrolled in Northwestern employee benefits for at least one month in 2015 or if you were determined to be full-time (based on ACA rules) for at least one month.  If you did not receive a 1095-C and would like to know why, please contact benefits@northwestern.edu.