Employee tax forms for health insurance

Form 1095-C proves an employee either received or was offered health insurance by their employer. The form is sometimes provided to both the employee and the IRS by the employer.

For tax filings, 1095-Cs are only required for employers that had an average of at least 50 full time equivalent employees in the previous year.

How to find your 1095-C: If you had Gusto-managed benefits during a tax filing year and averaged 50+ full-time equivalent employees in the previous year, Gusto prepares the form for you and send it at the end of the year by mail. It will not be available in your Gusto account. If another broker manages your benefits, contact them directly for assistance with Form 1095-C.

Two tax forms are provided for employees who have an HSA: 1099-SA and 5498-SA. 

• 1099-SA: Received by January 31 and shows your annual distributions. You'll only receive this form if you made distributions from your HSA in the prior calendar year, meaning you spent HSA funds on qualified expenses.
• 5498-SA: Received by May 31 and shows your annual contributions.

How to find them: Avidia Bank sends applicable forms directly to enrolled employees, unless you've changed your delivery preference to electronic delivery only. You can also find your forms in the Gusto Benefits Card Manager: 

1. Sign in to your Gusto Benefits Card Manager.
2. Under "Your Accounts," click Health Savings Account.
3. Next to "Account Resources," click Tax forms.

Form 1095-B is the form most people with benefits will receive from their insurance carrier. You can reference this form when verifying on tax returns that you and dependents have at least Minimum Essential Coverage (MEC).

The 1095-B includes:

• The type of coverage
• Dependents covered
• The coverage period

How to find this form: your insurance carrier sends this directly to the plan’s primary subscriber. Contact your carrier to request another copy.