Your Form 1095-B Proof of Health Insurance

Form 1095-B

Minimum coverage exemptions

Resources for undocumented students
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 a coverage exemption, or make a payment when filing their 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 IRS health coverage form verifying you were enrolled in a health care plan that qualifies as minimum essential coverage (MEC) as required by the ACA. UC SHIP is an MEC-recognized health care plan.

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

IMPORTANT: YOU CAN ACCESS YOUR IRS FORM 1095-B ELECTRONICALLY.

Students enrolled in the University of California Student Health Insurance Plan will no longer automatically receive a paper copy of IRS Form 1095-B. Under a new law that became effective January 1, 2019, the IRS penalty for not having health coverage was reduced to zero. Therefore, individuals no longer need the information on the 1095-B form to file a federal income tax return.

Form 1095-B will continue to be produced for all members. You can access your Form 1095-B through your Academic HealthPlans account. You will be notified when you can view and/or download and print a copy of the form, if desired. Visit the AHP website to find instructions for downloading your Form 1095-B (pdf). 

To receive a printed copy by mail, complete this AHP form. Your Form 1095-B will be mailed to the address on record within 30 days of the date the request is received. If you have any questions about your Form 1095-B, email Academic HealthPlans. To learn more, visit the Form 1095-B page on the IRS website.

What to do if you think the form has incorrect information

UC SHIP’s enrollment administrator, Academic HealthPlans (AHP), will prepare the 1095-B forms for UC SHIP members covered during the previous calendar year. If you have any questions or you think your form has incorrect information, email AHP

If you don’t report an SSN to the university

If the SSN is not available by the filing deadline, the insurance company or health plan may substitute your date of birth for your SSN. The IRS may contact you to request your SSN if it is not included on the filing.

To access your 1095-B form online, please take a look at the 1095 User Guide (pdf).

If you’re enrolled at UC Berkeley, your student health insurance coverage is offered by your local campus and is not part of UC SHIP. For information on the 1095-B tax form, visit the UC Berkeley website.

Reporting requirements

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.

Minimum coverage 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 on the IRS website’s Individual Shared Responsibility Provision page.  

Resources for undocumented students

Each campus has an undocumented student service coordinator. To find the coordinator for your campus, visit the Graduate, Undergraduate and Equity Affairs page

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, Riverside, San Diego, San Francisco, Santa Barbara and Santa Cruz). This program is located at the UC Davis Immigration Law Clinic.

If you have questions or need more information

For answers to your questions about your taxes or your tax return, consult a tax attorney or your accountant.

For more information about the ACA and the individual shared responsibility requirement, visit the Individual Shared Responsibility Provision page on the IRS website.