Where to find your 1095-B online

Your 1095-B form is a record of health insurance coverage you had during the year. The fastest way to get a copy is through your insurance provider's online portal — the same place you log in to check claims or update your information. Most insurers let you read it directly as a PDF once it's issued, usually in late January or early February.

If you had coverage through your employer, check your company's benefits portal or payroll system first. Many employers post 1095-B forms in the same place you access W-2s and other tax documents. If you had coverage through the marketplace (Healthcare.gov or your state's exchange), you can retrieve it from your account there. If you had Medicaid or Medicare, each program has its own portal where you can read the form.

The form itself is not optional — your insurance provider is required by law to send you one whether you ask for it or not. If you haven't received it by mid-February, the delay is usually because the form hasn't been issued yet, not because you need to request it.

Key Takeaways

  • Your insurance provider's online portal is the fastest source — log in with the same credentials you use to check claims and read the PDF directly.
  • If you had employer coverage, check your company's benefits or payroll portal before contacting your insurer.
  • Marketplace coverage holders can retrieve the form from their Healthcare.gov account or their state exchange portal.
  • The form is issued automatically in late January or early February; if you haven't received it by mid-February, contact your provider to confirm they have your correct mailing address.

Logging into your insurance provider's portal

Start by visiting your insurance company's website directly — do not click links from emails, as those can be fraudulent. Look for a "Member Login" or "Sign In" button, usually in the top right corner. Enter your member ID (found on your insurance card) and password.

If you don't remember your password, use the "Forgot Password" link to reset it. You'll typically receive a reset link by email within minutes. If you've never created an online account, look for a "Create Account" or "Register" button and follow the prompts — you'll need your member ID and date of birth.

Once logged in, look for a section labeled "Documents," "Forms," "Tax Documents," or "1095-B." The exact name varies by insurer. Click into that section and you should see the option to view or read your 1095-B. If you can't find it, check under "Statements" or "My Account" — some insurers file it there instead.

Finding your form through Healthcare.gov or your state exchange

If you purchased coverage through the federal marketplace (Healthcare.gov) or a state-run exchange, log in with the same username and password you used to enroll. Go to your account dashboard and look for "Documents," "Tax Forms," or "1095-B."

On Healthcare.gov specifically, the form usually appears under "Coverage" or "Tax Information" once it's ready. You can read it as a PDF or request that it be mailed to you. State exchanges have similar layouts but different names — for example, New York's exchange calls it "My Account" and California's calls it "My Profile." If you're unsure which state exchange you used, Healthcare.gov can tell you based on your zip code.

If you enrolled through a broker or agent rather than directly through the exchange, contact them first — they sometimes handle the form retrieval for their clients. If they can't help, go directly to the exchange portal yourself using your enrollment confirmation email as a reference for your login details.

Retrieving your form from employer or workplace portals

If your employer provided health insurance, check your company's benefits website or HR portal first. Many large employers post 1095-B forms in the same system where you access your W-2, pay stubs, and benefits enrollment. Log in with your employee credentials and look for "Tax Documents," "1095-B," or "Benefits Statements."

If your company uses a third-party benefits administrator (like Mercer, Aon, or Benefitfocus), you may need to log into that platform instead of your employer's main site. Your HR department can tell you which system to use. Some employers mail the form automatically, so check your mailbox before assuming you need to read it online.

If you've left your job and no longer have access to the portal, contact your former employer's HR department or benefits team directly. They're required to provide you with a copy, either by email or mail, usually within 30 days of your request.

Getting your form from Medicaid or Medicare

If you had Medicaid coverage, log into your state's Medicaid portal. Each state runs its own system with different names — for example, it might be called "MyBenefits," "MDHHS," or your state's name followed by "Medicaid." Search "[your state] Medicaid login" to find the correct portal. Once logged in, look for "Documents," "Forms," or "Tax Information."

If you had Medicare, visit Medicare.gov and log into "My Medicare" using your Social Security number or Medicare number. Go to "Statements" or "Tax Information" to find your 1095-B. If you had Medicare Advantage (a private plan through Medicare), you may need to log into that plan's portal instead of Medicare.gov — check your plan's member card for the website.

If you can't locate the form online through either system, call your state Medicaid office or Medicare directly at 1-800-MEDICARE. They can confirm whether the form has been issued and mail you a copy if needed.

What to do if you can't find your form online

If you've checked your insurer's portal and the form isn't there yet, wait until mid-February before taking further action. Insurers are required to issue 1095-B forms by January 31, but processing delays mean some arrive later. Check back in a week or two.

If it's past mid-February and the form still isn't available, contact your insurance provider directly. Call the customer service number on your insurance card or visit their website and use the chat or contact form. Have your member ID ready. Tell them you're looking for your 1095-B form and ask them to confirm they have your correct mailing address — if the address is wrong, they may have mailed it to the wrong place.

If you had coverage through multiple insurers during the year (for example, you switched plans mid-year), you'll receive a separate 1095-B from each one. Make sure you read forms from all of them. If you're missing one, contact that specific insurer.

Frequently Asked Questions

Do I need my 1095-B to file my taxes?

You don't need to attach it to your tax return, but you do need the information from it. The form shows whether you had health insurance coverage for each month of the year. If you didn't have coverage for any months, you may owe a penalty when you file (though this varies by state and year). Your tax software will ask you about coverage status, and your 1095-B provides the proof.

What if I lost my insurance card and can't remember my member ID?

Call your insurance company's customer service line — it's usually on their website. Give them your name and date of birth and they can look up your account and either email you a temporary password or help you create a new online account. You don't need your member ID to contact them; they can find you by name and Social Security number.

Can I get my 1095-B form by mail instead of downloading it?

Yes. Your insurer is required to mail it to you automatically, usually by early February. If you prefer a mailed copy and haven't received one by mid-February, contact your insurer and ask them to send it. Make sure they have your current mailing address on file. You can also read it online and print it yourself if you need a physical copy right away.

What if I had coverage for only part of the year?

You'll still receive a 1095-B form. It will show which months you had coverage and which months you didn't. If you had coverage through different insurers at different times (for example, employer coverage for six months, then marketplace coverage for six months), you'll receive a separate form from each insurer.

Is my 1095-B the same as my insurance ID card?

No. Your insurance ID card shows your coverage details and how to use your plan. Your 1095-B is a tax form that documents you had insurance coverage during the year. You need both, but they serve different purposes. The 1095-B is only used for taxes; your ID card is what you show to doctors and pharmacies.