Affordable Care Act (ACA)

The Patient Protection and Affordable Care Act passed by Congress, signed into law on March 23, 2010 by President Barack Obama, mandates that all Americans, with a few exceptions, be insured for specific essential health care benefits, and that the insurance coverage be deemed to be affordable based on the Federal Poverty Level.

The Affordable Care Act, commonly referred to as the ACA, was phased in over a period of years, with the most significant changes to the current health care delivery system which took effect on January 1, 2014, or on the first day of the employer's new plan year after January 1, 2014.  Covered California is California's Exchange, which is a public insurance marketplace that guarantees access to private insurance policies with premium and cost-sharing subsidies for lower-income individuals who don't have access to affordable employer coverage.

Did you receive a Form 1095-C from your employer and you're not sure what to do next?

If you work for more than one employer, you may receive more than one of these forms.  The Form 1095-C is an IRS requirement and the form(s) were mailed to you. These forms are for you to keep for filing purposes. This form can also be found on your Employee Portal.

Applicable Large Employers (ALEs), or employers with 50 or more full-time equivalent employees, are required to send Form 1095-Cs to all full-time employees (those who work an average of 30 or more hours per week) as well as any employee who was enrolled in a health insurance plan.  So if you were a full-time employee and/or were enrolled in health insurance through your employer, you should receive a Form 1095-C.

The 1095-C figures within the form only reflect the most affordable plan OFFERED to 'full-time' employees. These amounts change annually based on monthly premiums.  The dollar figure does not necessarily reflect what you've selected or what you pay.  The '1E' indicates that a plan was OFFERED to you/your spouse/dependents and does not necessarily reflect that you opted to purchase it.  The code of '2C' reflects your enrollment (by being OFFERED) in the employer's coverage.