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1095-C Form Information

This new 1095-C 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.

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.

Common questions about the 1095-C

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.  You do not need your 1095-C to file your taxes, but you should keep it with your taxes for reference.

What if I did not receive a 1095-C?

For 2020, your 1095-C will be mailed the week of Monday, February 2, 2021 to your home address.  You should receive it by February 15, 2021.  If you did not receive a 1095-C and would like to know why, please contact benefits@northwestern.edu.

Students on the student Aetna plan should contact Aetna or Student Insurance for more information.