ACA Form 1095
Background
As part of the ACA employer mandate, Stanford is required to notify eligible employees and the IRS of available medical coverage. This notification is called the IRS Form 1095.
Notification of Coverage: IRS Form 1095
Below is a summary of the three Form 1095s you might receive and what you should do with the form. Stanford will provide eligible employees the IRS Form 1095-C notification of coverage by the beginning of March. Effective with tax year 2025, Stanford will no longer automatically print and mail these forms to you.
Log into ACA 1095 Portal and request a copy
| 1095 FORMS | WHO YOU’LL RECEIVE IT FROM | WHAT TO DO WITH IT |
|---|---|---|
| 1095-A | Provided by the Health Insurance Marketplace if you were enrolled in a Marketplace plan during the tax year. | You are not required to submit it to the IRS with your tax filing. The Marketplace plan will file it with the IRS. You should keep it with your other important tax documents. |
| 1095-B | Provided by non-Marketplace health plan insurers (e.g. Kaiser) if you were enrolled in a fully insured medical plan during the tax year or if you were enrolled in an employer self funded plan but were not employed by that employer in the tax year. | You are not required to submit it to the IRS with your tax filing. The medical plan insurer will file it with the IRS. You should keep it with your other important tax documents. |
| 1095-C | Provided by your employer if you were enrolled as an employee in an employer's self-funded medical plan during the tax year or if you were a full-time employee of a large employer, regardless of whether or not you were enrolled in a medical plan. | You are not required to submit it to the IRS with your tax filing. Stanford will file it with the IRS. You should keep it with your other important tax documents. |
PLEASE NOTE:
It is possible to receive all three forms. For example, a new employee could receive 1095-A from any Marketplace plan that he or she was enrolled in during the prior year, a 1095-B from Kaiser if he/she enrolled in Stanford’s Kaiser Plan and a 1095-C if he/she was a full-time Stanford employee any time during the prior year. An employee could also receive multiple forms if he or she had multiple employers within the same tax year.
Contacts
For questions about ACA, including the ACA 1095 Portal, ACA-eligibility and the ACA Plan, contact the University HR Service Team online or call (877) 905-2985 or (650) 736-2985.
For tax-related questions about the IRS 1095 Tax form, contact the IRS Tax Help Line at (800) 829-1040 (Mon-Fri, 7:00 a.m. – 7:00 p.m. local time).