Information for Tax Filings

Tax forms overview

1099-HC Form

1099-HC Form serves as proof of health insurance coverage for Massachusetts residents age 18 and older. This proof of coverage is required for Massachusetts state income tax filing.

This information is for plan members who file Massachusetts state taxes.

1095-B Form

1095-B Form serves as proof of qualified health insurance coverage (referred to as minimum essential coverage). This proof of coverage is required for your income tax filing.

Frequently Asked Questions (FAQs)


1099-HC FAQ


Should I attach Form MA 1099-HC to my Massachusetts state income tax return?

Yes, if you are filing a paper tax return with the MA DOR. If you are filing electronically, you do not need to submit the form, but you should retain a copy with your tax records.

What is Form MA 1099-HC?

Form MA 1099-HC serves as proof of health insurance coverage for Massachusetts residents age 18 and older. This proof of coverage is required for Massachusetts state income tax filing.

I live and work outside of Massachusetts. Do I need this form?

You only need this form if you are filing a Massachusetts tax form for 2018. Otherwise, you can disregard this information.

May I receive more than one copy of Form MA 1099-HC if I had coverage from more than one insurance company in tax year 2018?

Yes, it is possible for you to receive more than one copy of Form MA 1099-HC for tax year 2018 if you changed insurance companies at some time during the year, or if you had coverage under more than one plan. You will need all of your forms in order to prepare MA Schedule HC for your Massachusetts state tax return.

It is after January 31, 2019, but I have not received Form MA 1099-HC. What should I do?

If it is after January 31, 2019 and you have not received Form MA 1099-HC, but believe you should have, plan subscribers can log in to mytuftshealthplan.com to view and print Form MA 1099-HC for themselves and their covered dependents from this page. If the form is unavailable online, please contact our Member Services Department at the number on the back of your ID card.

If members of my family who are covered under my plan file their own taxes, will they receive Form MA 1099-HC from us?

The subscriber will receive only one copy of Form MA 1099-HC for themselves and for any dependents covered during 2018. You may make copies for any dependents requiring proof of coverage. Please note: When filing taxes, dependents should use their individual member number, including the suffix. Dependents can find their member number either on their member ID card or on their individual coverage record as it appears on Form MA 1099-HC.

When will I receive Form MA 1099-HC?

Tufts Health Plan will mail a form 1099-HC to members who reside in Massachusetts or have a Massachusetts-based employer on or before January 31, 2019.

What if I notice that information on the form is incorrect?

If the error is the date of birth for you or a dependent or your effective date of the plan, or if a covered dependent is not listed on the form, please call our Member Services Department at the number on the back of your ID card.

Will I receive my Form MA 1099-HC?

You will receive a form in the mail if our records show that you reside in Massachusetts or work for a Massachusetts based employer and were covered by the health plan at any time during 2018 and are the plan subscriber. You will need this information to complete Schedule HC of your 2018 Massachusetts state tax return. The information provided on Form MA 1099-HC is being reported directly to the Massachusetts Department of Revenue.

If you currently reside in Massachusetts or work for a Massachusetts based employer, Form MA 1099-HC will be mailed to your home address. If you do not reside in Massachusetts and you work for an employer outside of Massachusetts, your Form MA 1099-HC will not be mailed to you. Plan subscribers can log in to mytuftshealthplan.com to view and print Form MA 1099-HC for themselves and their covered dependents from this page.

Members on Medicare supplement plans will not receive Form MA 1099-HC, as it is not required by the Commonwealth of Massachusetts. People with Medicare are deemed to meet coverage requirements.

What does Form MA 1099-HC indicate?

The form will indicate that in 2018, you have had either:

  • one full year of continuous health insurance coverage with a plan that meets the Massachusetts Minimum Creditable Coverage requirements, or
  •  a partial year's health insurance coverage with a plan that meets the Massachusetts Minimum Creditable Coverage requirements. If you had partial year's coverage, the form will indicate which months you had coverage with us.

Please note that you must have been covered under a health plan for at least 15 days in any given month in order to be considered to have had coverage under the plan for that month. If you only had coverage for 14 days in any given month, your form will not show coverage with us for that month.

If I receive my health care coverage through an employer, will my employer send me Form MA 1099-HC?

Your health insurer, not your employer, will provide you with Form MA 1099-HC.

Where can I obtain more information about Form MA 1099-HC?

For more information about the Massachusetts health care reform law and/or associated tax requirements, go to the Massachusetts Department of Revenue website, or speak with your tax advisor.


1095-B FAQ


What is Form 1095-B?

Form 1095-B serves as proof that an individual had qualifying coverage, referred to as minimum essential coverage, when filing their federal income tax statements.

Should I receive my Form 1095-B before filing my income tax return?

Employees can file tax returns before receiving the 1095-B Form, but should keep the 1095-B Form with their tax records.

What are the different types of form that I could receive?

The type of coverage you have and where you work will determine the type of form you receive. The below table describes each type of form and who is responsible for sending you the form.

Form Type Who receives this form? Who is responsible for sending the form?
1095-A If you received coverage through the Marketplace.
For example, if you received healthcare through the Connector.
The government
1095-B If you or your employer received coverage directly from Tufts Health Plan. Tufts Health Plan
1095-C If you work for a large organization, they may have offered you a certain type of coverage that requires this form be sent to you instead of the 1095-B from Tufts Health Plan. Your Employer
How many days of coverage constitutes coverage for the month?

Per the regulation, if you were covered for one day of the month then you are considered fully covered for that month. For any month that you or anyone in your family does not have minimum essential coverage, you may be subject to a financial penalty.  If you were uninsured for part of the year, Part IV of the form will help you determine what your penalty cost is if applicable. If you lacked coverage for less than three months, you may not be subject to a penalty. Please see https://www.healthcare.gov/fees/fee-for-not-being-covered/ for more details.

When will I receive Form 1095-B?

1095-B Forms will be post marked by January 31, 2019 to subscribers for federal income tax filing.

It is after January 31, 2019, but I have not received Form 1095-B. What should I do?

Forms will be postmarked by January 31, 2019. If you have not received Form 1095-B, but believe you should have, plan subscribers can log in to mytuftshealthplan.com to view and print Form 1095-B for themselves and their covered dependents from this page. If the form is unavailable online, please contact our Member Services Department at the number on your member ID card.

May I receive more than one copy of Form 1095-B if I had coverage from more than one insurance company or employer group in tax year 2018?

Yes, it is possible for you to receive more than one copy of Form 1095-B for tax year 2018, if you changed insurance companies or changed employers at some time during the year, or if you had coverage under more than one plan.

Why is Tufts Health Plan soliciting my Social Security Number?

Since the regulation requires Social Security Numbers (SSNs) for all covered individuals to be reported to the IRS, we are reaching out to members to solicit this missing information. Minimal Essential Coverage requires Tufts Health Plan to make three reasonable attempts to secure this information. The regulation considers the initial solicitation to be when a member application is received. If for some reason Tufts Health Plan did not receive your social security number at this time, we send a letter in December to ensure that we receive your information prior to the forms being postmarked on January 31st for your tax filings.  The third and final solicitation attempt must be made by December of the next year.

The IRS will use the name of the covered individual and their Social Security Number to compare the information disclosed on the 1095B forms with the individual's tax return form.