Under the Affordable Care Act ("ACA" also known as Health Care Reform), MTU is required
to file annual reports with the Internal Revenue Service (IRS). MTU will make employee
1095-C forms available for electronic download for those consenting to this option.
1095-C forms were also mailed out to employees during late February.
To view or print an electronic copy of your 1095-C form, employees may take the following
steps:
- Log in to Employee Navigator using the username and password created during open enrollment.
- From your Employee home page, click "view and print 1095-C" from the quick links tab
on the right.
- Review and agree to electronic consent.
- Under form types, click the "view" icon next to 1095-C.
- Your form will download as a PDF that you may view or print
1095-C forms are generated for full-time employees with information about the health
coverage that was offered, if any, to the employee and their dependents.
The Affordable Care Act requires that certain employers provide you with an IRS tax
form called Form 1095-C Employer-Provided Health Insurance Offer and Coverage. This
form is required to be provided to all full-time employees (working over 30 hours
on average) and any person enrolled in MTU's medical plan during the calendar year.
Form 1095-C includes information about the medical coverage offered to you by MTU
and that information will also be reported to the Internal Revenue Service. Think
of this form as your "proof of insurance" for the IRS.
What information is on the 1095-C Form?
There are three parts to the form:
- Part I includes information about you and your employer.
- Part II includes information about the coverage your employer offered to you and your
dependent(s).
- Part III includes information about the individuals enrolled in healthcare coverage,
including dependents.
Detailed Instructions for the recipient are available when you access the form.
Why was Part III of my Form 1095-C left blank?
Part III of the 1095-C is only populated for each month you and your dependents (if
any) were enrolled in MTU's self-funded medical coverage, through BCBSM.
Who receives a Form 1095-C?
All benefit-eligible faculty and staff, as well as any employees who were enrolled
in health coverage through MTU at any time in the calendar year, will receive a Form
1095-C.
Why didn't I get a Form 1095-C?
If you were not a benefit-eligible employee (e.g. student employees, temporary staff)
at any point during the prior calendar year then you should not receive a Form 1095-C.
You also may not receive a 1095-C if you were not the primary insured.
Will my covered dependents receive their own Form 1095-C in the event that they file
separate tax returns?
Under the final IRS rules, MTU is not required to provide statements to persons other
than the employee. The IRS indicates that the employee should provide a copy to any
covered dependents if requested for their records.
Do MTU's medical plans provide the required level of coverage for me to avoid tax
penalties?
Yes. MTU's health plans meet the minimum essential coverage (MEC) and are considered
affordable under ACA so you will meet the individual mandate requirement if you were
covered by MTU's medical plan for all 12 months of the prior calendar year.
What if I have questions?
Contact a tax advisor for questions about how the tax form may impact you. You may
also visit the IRS website about the 1095-C form.
