Historically, employers were required to furnish Form 1095-C directly to employees by mail or electronically (with consent) by a deadline, which for 2024 was extended to March 3, 2025 (since March 1 fell on a Saturday). However, a significant change came with the Paperwork Burden Reduction Act, signed into law on December 23, 2024. This law allows employers an alternative: instead of automatically sending every employee a Form 1095-C, they can now post a “clear, conspicuous, and accessible” notice on their website stating that the form is available upon request. If an employee requests it, the employer must provide the form within 30 days or by January 31 of the following year (2026 for the 2024 tax year), whichever is later. This reduces the administrative burden of mailing or distributing forms to every eligible employee.

Key Points for Employees

• Purpose: The form helps employees confirm they had health coverage (or an offer of it) when filing their taxes. It’s not submitted with your tax return but should be kept for your records.

• Deadline: For 2024, employers had to either send the form or post the notice by March 3, 2025. If your employer opted for the notice method, you’d need to check their website and request the form if desired.

• Content: It shows whether coverage was offered, its cost, and, if you enrolled, who was covered. This can affect eligibility for premium tax credits if you sought Marketplace coverage instead.

• Questions: If you don’t receive it or have concerns, contact your employer’s HR department.