Offered Coverage but Declined 1095-C?
If you were offered coverage but declined 1095-C, your employer still must report that offer to the IRS. Form 1095-C records whether you were offered health insurance, even if you chose not to enroll. This information appears on Lines 14–16 of the form.
Why It Matters
Form 1095-C does not change your federal tax return directly, but it confirms that you had access to employer-sponsored coverage. Some states with their own insurance mandates may use this form to check compliance.
What to Check
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Review your name, Social Security number, and coverage offer.
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Make sure the months listed match when coverage was available.
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Contact your employer if details are wrong.
Key Takeaway
Even if you declined the offer, the IRS still requires your employer to file Form 1095-C. Keep it with your tax records in case you need to show proof of an offer of coverage.