Where to Find Your 1095 Form: Step-by-Step Guide

The 1095 form, issued by employers and health plans, is critical for health insurance documentation and IRS tax reporting. But where exactly do you find it? This guide explains the top sources and methods to retrieve your 1095 form efficiently and securely—no guesswork required.

What Is the 1095 Form and Why Does It Matter?

The 1095 form serves two key purposes: it confirms health coverage details from your employer-sponsored plan or marketplace, and it’s needed for tax forms like 1095-C. Accurate records help avoid filing errors, support claim disputes, and ensure compliance with healthcare regulations.

Where to Find Your 1095 Form: Primary Sources

1. Employer Portal or Payroll System

Most employers upload the 1095 form directly into your payroll or employee portal. Check your company’s HR site or payroll platform weekly—many auto-send forms via email. Access is usually available from January through March for the prior calendar year, aligning with tax filing seasons.

2. Employer Email Notifications

Many health insurers and payroll providers send the 1095 form via email once it’s finalized. Look for messages labeled