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Your Form 1095-B Proof of Health Insurance

Form 1095-B
Exemptions & Resources for Undocumented Students
If You Have Questions or Need More Information

Starting in 2014, the Affordable Care Act (ACA) calls for everyone to have qualifying health care coverage (known as minimum essential coverage) for each month of the year, qualify for an exemption, or make a payment when filing his or her federal income tax return. This is called the ACA “individual mandate.”

Under the federal reporting requirement, health care plans and insurance companies must report member information (name, address, and Social Security Number (SSN) of plan members, including covered students and dependents) to the Internal Revenue Service (IRS) that can be linked to a health plan that is Certified Minimum Essential Coverage (MEC).

Form 1095-B
Form 1095-B is the new IRS health coverage form verifying you were enrolled in a healthcare plan in 2017 that qualifies as Minimum Essential Coverage (MEC) as required by the ACA. UC SHIP is a MEC-recognized healthcare plan.

The form is provided to you as proof that you meet the ACA’s “individual mandate” and should not be subject to healthcare tax penalties. Under the ACA, most U.S. citizens must have qualified healthcare coverage or pay a tax penalty.

IMPORTANT: KEEP YOUR 1095-B FORM WITH YOUR TAX RECORDS

When you’ll receive your 2017 Form 1095-B
Generally, 1095-B forms will be mailed by the end of January following the year that is being reported. So, for example, by early February 2018, you will receive your Form 1095-B verifying that you satisfied the “individual mandate” under the Affordable Care Act (ACA) for the 2017 tax year. You can report your healthcare plan on your tax return without your 1095-B.

If you move, notify your campus Registrar’s Office of your current address to ensure you receive the form and other important healthcare insurance information.

What to do if you think the form has incorrect information
Wells Fargo Insurance Services will prepare and mail the 1095-B forms to UC SHIP members covered during calendar year 2017. If you have questions, contact Wells Fargo Insurance Services at 1-800-853-5899, Option #2.

If you don’t report an SSN to the University
The insurance company or health plan may substitute the Date of Birth for an SSN, if the SSN is not available by the filing deadline. The IRS may contact you to request your SSN if it is not included on the filing.

Exemptions & Resources for Undocumented Students

Most college and university students are subject to the reporting requirement.

  • If you are on your parent’s plan or your own private health plan, the Plan or insurance company providing the coverage must comply with this reporting requirement.
  • If you are covered under a fully insured student health plan through your campus, your insurance carrier is responsible to report covered members to the IRS.
  • UC SHIP is self-funded by the University and must comply with the reporting requirement.

Exemptions
Certain individuals are exempt from the requirement to obtain minimum essential coverage. They will still receive a statement of coverage but do not need to provide an SSN. To see a list of exemptions, see Question #6 here: http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision

Resources for undocumented students
Each campus has an undocumented student service coordinator: http://www.ucop.edu/student-affairs/campus-contacts/undocumented-student-service-coordinators/index.html

Immigration Law Clinic at UC Davis School of Law
103 TB 30
Davis, CA 95616
(530) 752 4308

The Undocumented Student Legal Services Center is based at UC Davis and has attorneys to provide legal aid to undocumented students and their families at six other campuses (those that don’t have their own law schools – Merced, San Diego, San Francisco Santa Barbara, Santa Cruz, and Riverside). This program is located at the UC Davis Immigration Law Clinic.

If You Have Questions or Need More Information
For questions about your taxes/tax return: Consult a tax attorney or your accountant.

For more information about the ACA and the individual shared responsibility requirement:
Visit http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Individual-Shared-Responsibility-Provision.