Do I Need a VA 1095 Form for My Taxes?
Your VA Form 1095-B is proof of health coverage. Learn why it may be essential for filing state taxes, even if not required for your federal return.
The Department of Veterans Affairs (VA) provides Form 1095-B, “Health Coverage,” to veterans enrolled in a VA health care program. This document serves as proof of health coverage for a given tax year. The form confirms that your VA health plan meets the standards required by the Affordable Care Act (ACA).
Understanding Your VA Form 1095-B
Enrollment in a VA health care program satisfies the ACA’s requirement for Minimum Essential Coverage (MEC). The VA issues Form 1095-B to report this qualifying health coverage to you and the Internal Revenue Service (IRS). This reporting verifies that you and any covered family members were insured during the tax year.
The form identifies the enrolled veteran and lists the VA as the coverage provider. A separate section lists everyone covered by the VA health plan, including the veteran and any eligible family members. For each person, checkboxes indicate the specific months they had coverage during the year.
Tax Filing Implications
For federal tax purposes, you do not need Form 1095-B to file your return. The federal penalty for not having health insurance was reduced to $0, so you are not required to submit the form with your federal tax return. You should keep the form with your tax records as proof of your health coverage.
While there is no federal penalty, the situation is different at the state level. Several states have their own individual health care mandates and can impose a tax penalty on residents who were uninsured for all or part of the year.
If you reside in a state with a mandate, you may need the details from Form 1095-B to complete your state income tax return and show you met the coverage requirements. It is important to check the specific tax laws in your state to understand your obligations and avoid a potential penalty.
How to Access Your Form
The VA no longer automatically mails Form 1095-B to every enrolled veteran. If you need a copy for your records or state tax filing, you can download it from the VA’s website. You will need to sign in to VA.gov with a verified account, such as one through Login.gov or ID.me.
If you cannot access the form online or notice incorrect information, you can request a copy or a correction by phone. The VA provides a toll-free number, 877-222-8387, for assistance. Requesting a correction can take time to process, so verify your details well before any tax deadlines.