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Form 1095

If you were eligible for and enrolled in health benefits in 2023, the university will provide you with a required tax document in early 2024. Form 1095 reports information about your health care coverage as required by the Affordable Care Act. The option to consent to receive an electronic PDF copy of your 2023 Form 1095 instead of an identical mailed copy will be available in Wolverine Access through Jan. 3, 2024.

If you do not consent to receive an electronic copy by Jan. 3, 2024, the university will mail your 1095 to your current address on file by Jan. 31, 2024.

If you were a part-time eligible employee who waived health care coverage, you will not receive a 1095 from the university.

Your one-time consent continues each year unless you choose to withdraw it. Previous consent also may be withdrawn by U-M due to changes in your employment status.

Please note: Tax information is based on the university’s current understanding and is provided for general informational purposes only. The University of Michigan does not provide tax advice. Questions or concerns should be addressed to a qualified tax adviser.

Frequently Asked Questions About Form 1095

Review the following frequently asked questions to learn more about Form 1095. If you need to request a reprint or correct your Form 1095, please contact the SSC Contact Center after Feb. 10, 2023 at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll-free, Monday through Friday from 8 a.m. to 5 p.m. All other questions should be directed to a qualified tax adviser.

What is Form 1095?

The university is required by the Affordable Care Act (ACA) to provide Form 1095 to full-time and part-time eligible employees enrolled in U-M's health care plans. This form is an annual tax document in addition to your W-2 and other tax statements. It provides supporting documentation for the question about health care coverage on your federal tax return. Form 1095 is completed using Internal Revenue Service (IRS) regulations.

Part II of Form 1095-C indicates that an offer of health plan coverage was made that satisfies ACA regulations. There are a few different codes that could be used.

Part III of Form 1095-C (or Part IV of Form 1095-B) provides information about which months you and your covered dependents were enrolled in health care coverage.

For more information, visit irs.gov/Affordable-Care-Act or consult with a qualified tax adviser.
Will I receive a 1095?

The university will provide Form 1095-C to full-time employees who were enrolled in or waived health benefits and part-time employees who were enrolled in health benefits in 2023. Part-time employees who waived coverage will not receive Form 1095.

The university will provide Form 1095-B to every individual who was eligible for and enrolled in health benefits as a non-employee in 2023, including retirees, medical school students, fellowship holders, survivors and individuals covered by COBRA. Covered dependents will not receive their own 1095 from the university.

If you are eligible for health benefits from U-M starting on or after Jan. 1, 2024, and were not eligible in 2023, you will not receive Form 1095 from the university.
Can I get Form 1095 electronically?
Yes. Form 1095 will be available electronically in Wolverine Access > Employee Self-Service > Benefits > Form 1095 Consent or will be mailed to your current address on file with the university. Consent to receive an electronic copy is required no later than Thursday, Jan. 2, 2025.

Once you consent to receiving your 1095 electronically, your consent is valid for all subsequent years unless you choose to withdraw it. The university will not provide an electronic Form 1095 if you are no longer a U-M employee. These individuals will be mailed hard copies.

Can I Withdraw My Consent?

Keep in mind that you do not need to print Form 1095. You do not submit the form with your tax return.

You may save the file electronically if it is convenient for you.

Important: Time Sensitive

If you wish to withdraw your consent, act immediately to meet the deadline. Complete the Form 1095 Electronic Consent eForm (paper form available here).

Your form must be received by the SSC no later than noon on Thursday, Jan. 2, 2025.

Browser and Software Requirements

If you have trouble viewing your Form 1095 in Wolverine Access, review the browser and software requirements below. Wolverine Access self-service uses pop-up windows to display PDF files. You may need to disable pop-up blockers to view your Form 1095.

Pop-up windows must be enabled to print the Form 1095. Generally, most pop-up blockers can be turned off either within the browser toolbar, or within the Windows Taskbar along the bottom right corner of your screen. For detailed instructions, refer to: How to Disable Pop-up Blockers.

If you are using Safari, you may need to use Preview to print your form without cropping the right side. Right-click (or CTRL+click) on the form and select Open with Preview. Then select File > Print.

You must have Adobe Reader version 7.0.5 or higher installed to be able to view and print your Form 1095. You can download the latest version of Adobe Reader from the Adobe website. You may need to contact your system administrator to complete the installation.

If you receive an Adobe PDF document error message that indicates, "The Adobe Acrobat/Reader that is running cannot be used to view PDF files in a web browser...," see the Adobe website for potential solutions and step-by-step instructions.

Web Browser and Desktop Operating System Support
When will I get Form 1095?

If you provide consent to receive an electronic copy in Wolverine Access by Jan. 3, 2024, your Form 1095 will be available in Employee Self-Service > Benefits > Form 1095 Consent.

If you do not provide consent to receive an electronic copy by Jan. 3, 2024, the university will mail a hard copy to your current address on file by Jan. 31, 2024. Hard copies of Form 1095 will be mailed to individuals no longer employed at U-M by Jan. 31, 2024. Please check your address in Wolverine Access and change as needed to ensure hard copies are mailed to the correct location.
Will the dependents I cover on my health plan each get their own Form? 1095?

No. The university will provide a 1095 only to individuals who were eligible for health benefits in 2023, although the form includes information about covered dependents. You may need to provide a copy to any covered family members who file taxes separately from you for their tax records.
How do I need to use the 1095 to complete my tax return?

When completing your federal tax return, you must indicate whether you had qualifying health coverage for all of 2023 or qualified for a health coverage exemption. If not, you may owe a tax penalty called an individual shared responsibility payment. Part III of Form 1095-C (or Part IV of Form 1095-B) provides supporting documentation for this question. While you should not need to attach this form to your tax filing, please review it for accuracy.

Consult with a qualified tax adviser if you have questions about filing your tax return.
Does the information on Form 1095 affect my tax rate?

Please consult a qualified tax adviser.
Do I need to submit Form 1095 with my tax return?

You should not need to attach Form 1095 to your tax filing. Retain the form with your other tax records. Please consult with a qualified tax adviser if you have questions about filing your tax return.
Does my U-M health plan qualify as minimum essential coverage?

Yes; all of U-M health plans qualify as minimum essential coverage.

More information is available at healthcare.gov or irs.gov/Affordable-Care-Act/Individuals-and-Families/ACA-Individual-Shared-Responsibility-Provision-Minimum-Essential-Coverage.
Does this additional tax form impact when or how I receive my W-2?

No. Employee W-2s will be available in January, as usual, either electronically through Wolverine Access or by mail.
Does Form 1095 replace my W-2?

No. Form 1095 is an additional tax form that does not replace your W-2 or any other tax documents. For more information, visit irs.gov/Affordable-Care-Act or consult with a qualified tax adviser.
Can I file my taxes before I receive Form 1095?

Please consult with a qualified tax adviser if you have questions about filing your tax return.

If you have already filed your return, please make sure the information you reported on your taxes as to which months you had health coverage matches the information provided in Part III of Form 1095-C or Part IV of Form 1095-B. If the information matches, you do not need to take any action. Retain the form for your records.

If the information on months of coverage in Part III of Form 1095-C or Part IV of Form 1095-B does not match what you provided on your tax return, you may need to amend your tax return in the future.

If you believe your Form 1095 is incorrect, please contact the SSC Contact Center at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll free, Monday through Friday from 8 a.m. to 5 p.m. All other questions should be directed to a qualified tax adviser.
The information on my Form 1095 is wrong. Who can help?

Please contact the SSC Contact Center at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll free, Monday through Friday from 8 a.m. to 5 p.m.
I need a new Form 1095. Who can help?

Please contact the SSC Contact Center at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll free, Monday through Friday from 8 a.m. to 5 p.m.
I didn’t receive a Form 1095. Is there a mistake?

In general, only individuals who were eligible for health benefits in 2023 will receive a 1095 from the university. One exception is if you were eligible for health benefits as a part-time regular employee in 2023 and you waived coverage, you will not receive a 1095 from U-M.

If you believe you should receive a 1095 but do not by Feb. 10, 2024, you may request a copy by completing the Request a Copy of Form 1095 eForm (paper form available here).

You may also contact the SSC Contact Center after Feb. 10, 2024 at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll free, Monday through Friday from 8 a.m. to 5 p.m.
I have a question about my 1095. Who should I call?

If you need to correct or request a reprint of your 1095, please contact the SSC Contact Center after Feb. 10, 2024 at 5-2000 (option 1) from the Ann Arbor campus, (734) 615-2000 (option 1) locally, or (866) 647-7657 (option 1) toll free, Monday through Friday from 8 a.m. to 5 p.m.

If you have a question about filing your taxes or how to use Form 1095 to complete your tax return, please consult with a qualified tax adviser.
Where can I find out more about tax changes under the Affordable Care Act?

Please consult with a qualified tax adviser or visit irs.gov/Affordable-Care-Act/Individuals-and-Families.
How do I correct my home address?

If your original Form 1095-B or Form 1095-C included an incorrect address, please fix your home address with the University of Michigan. If you are employed by U-M, please update your address online through Wolverine Access:
1. Go to wolverineaccess.umich.edu.
2. Select the Faculty & Staff tab, then click Employee Self-Service to log in.
3. Under Campus Personal Information, click Addresses.
4. Edit your current address (your home mailing address), then click OK to save your changes.

You may complete the Address/Personal Data form available for download at hr.umich.edu/address-personal-data-form.

Questions About Your Benefits?

Submit your questions to the SSC Contact Center. You can also call the SSC at 5-2000 from the Ann Arbor campus, (734) 615-2000 locally, or (866) 647-7657 toll free, Monday through Friday from 8 a.m. to 1 p.m. and 2 p.m. to 5 p.m..

Limitations

The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend, or terminate them. Every effort has been made to ensure the accuracy of the benefits information in this site. However, if any provision on the benefits plans is unclear or ambiguous, the Benefits Office reserves the right to interpret the plan and resolve the problem. If any inconsistency exists between this site and the written plans or contracts, the actual provisions of each benefit plan will govern.

Benefits Office