FAQs

The Affordable Care Act requires employers with 50 or more full-time equivalent employees to offer healthcare coverage to their full-time employees or potentially face a fine. 

The Form 1095-C contains information about your healthcare coverage. 

Eligible full-time or full-time equivalent employees will receive a Form 1095-C upon request from TTUS regarding their offer and/or enrollment in employer-provided health care coverage for 2025.  Per the IRS instructions for the “Affordable Care Act”, you DO NOT need to wait for your Forms 1095-B or 1095-C to file your tax return.  Forms 1095-B and 1095-C are NOT required for filing, and DO NOT need to be attached to your tax return.  

https://www.irs.gov/affordable-care-act/questions-and-answers-about-health-care-information-forms-for-individuals

Per the IRS, “It is not necessary to wait for Forms 1095-B or 1095-C in order to file. Some taxpayers may not receive a Form 1095-B or Form 1095-C by the time they are ready to file their tax return. While the information on these forms may assist in preparing a return, they are not required. Individual taxpayers should not wait for these forms and file their returns as they normally would. Taxpayers can prepare and file their returns using other information about their health insurance. You should not attach any of these forms to your tax return. You do not have to wait for either Form 1095-B or 1095-C from your coverage provider or employer to file your individual income tax return. You can use other forms of documentation, in lieu of the Form 1095 information returns to prepare your tax return. You will not need to send the IRS proof of your health coverage. However, you should keep any documentation with your other tax records. This includes records of your family’s employer-provided coverage, premiums paid, and type of coverage.”

If you were an eligible full-time or full-time equivalent employee of the Texas Tech University System who was offered and/or enrolled in employer provided health care coverage during 2025, you will receive a Form 1095-C upon request. However, per IRS guidelines for the Affordable Care Act, you DO NOT need to wait for your Form 1095-C to file your tax return. Form 1095-C is not required for filing and does not need to be attached to your tax return.

Employers are no longer required to automatically distribute Form 1095-C to employees. If you are an eligible full-time or full-time equivalent employee, you will only receive a 2025 Form 1095-C upon request. If you were not an eligible full-time or full-time equivalent employee (working an average of 30 or more hours per week) and were not offered and/or enrolled in employer-provided health care coverage during 2025, you should not receive a Form 1095-C. You may also not receive a Form 1095-C if you were not the primary insured. For example, you should not receive a form if you were listed as a spouse or dependent under another family member's plan.

If you are eligible to receive a Form 1095-C, your employer is required to furnish your Form 1095-C for the 2025 tax year upon employee request. Employers have 30 days to furnish Form 1095-C to employees, after the forms are finalized.

Per the IRS instructions for the “Affordable Care Act”, it is not necessary to wait for Forms 1095-B or 1095-C to file a tax return. Forms 1095-B and 1095-C are NOT required for filing, and DO NOT need to be attached to your tax return. However, employees may request a copy of their 2025 Form 1095-C on or after February 16, 2026 by visiting the Payroll & Tax Services Forms Webpage and selecting Tax Form Reprint Request (Form W-2 & Form 1095). In the request portal, employees may choose to receive an electronic copy or a paper copy delivered via USPS.

Please note: Current year Form 1095-C will not be available through Raiderlink/WebRaider. 

For employees who opted to receive their forms electronically in the Equifax portal during a prior tax year, you will receive an email notification when the 2025 Form 1095-C is available for download. Please remember to retrieve, save, and print your documents prior to December 31, 2026. After the close of calendar year 2026, Equifax will archive the 2025 tax form and will charge a fee for its retrieval.

No, Form 1095-C will only be issued upon employee request.  

Employers are no longer required to automatically distribute Form 1095-C.  In compliance with this legislation, Texas Tech will no longer mail out Form 1095-C.  Employees may request a copy of their 2025 Form 1095-C on or after February 16, 2026 by visiting the Payroll & Tax Services Forms Webpage and selecting Tax Form Reprint Request (Form W-2 & Form 1095). In the request portal, employees may choose to receive an electronic copy or a paper copy delivered via USPS. Employers have 30 days to furnish the Form 1095-C to the employee.

Per the IRS instructions for the “Affordable Care Act”, it is not necessary to wait for Forms 1095-B or 1095-C to file a tax return. Forms 1095-B and 1095-C are NOT required for filing, and DO NOT need to be attached to your tax return.

I cannot find my prior year Form 1095-C, what do I do?

You may complete an online Form 1095-C reprint request found by visiting the Payroll & Tax Services Forms Webpage and selecting Tax Form Reprint Request (Form W-2 & Form 1095).

What about Form W-2? 

There is no change to how Form W-2 will be furnished. Form W-2 will continue to be issued by TTUS electronically and mailed through USPS for calendar year 2025. Form W-2 is housed in Raiderlink/Webraider Employee Self Service as in years prior. If you have elected electronic consent for Form W-2 in Employee Self Service, it will be distributed electronically through Employee Self Service.  If you have not done so, it will be mailed via USPS.

Per the IRS instructions for the “Affordable Care Act”, you DO NOT need to wait for your Forms 1095-B or 1095-C to file your tax return. Forms 1095-B and 1095-C are NOT required for filing, and DO NOT need to be attached to your tax return.  

https://www.irs.gov/affordable-care-act/questions-and-answers-about-health-care-information-forms-for-individuals

Per the IRS, “It is not necessary to wait for Forms 1095-B or 1095-C in order to file. Some taxpayers may not receive a Form 1095-B or Form 1095-C by the time they are ready to file their tax return. While the information on these forms may assist in preparing a return, they are not required. Individual taxpayers should not wait for these forms and file their returns as they normally would. Taxpayers can prepare and file their returns using other information about their health insurance. You should not attach any of these forms to your tax return. You do not have to wait for either Form 1095-B or 1095-C from your coverage provider or employer to file your individual income tax return. You can use other forms of documentation, in lieu of the Form 1095 information returns to prepare your tax return. You will not need to send the IRS proof of your health coverage. However, you should keep any documentation with your other tax records. This includes records of your family’s employer-provided coverage, premiums paid, and type of coverage.”

Please contact your respective Human Resources to provide updated SSN, Name, and/or address information.

Texas Tech University/System: hrs.employee.services@ttu.edu

Texas Tech University Health Sciences Center campuses: Your local Human Resources Office.

Texas Tech University Health Sciences Center El Paso: elphrbenefitsadmin@ttuhsc.edu

TTU/TTUHSC/TTUHSC El Paso Human Resources and Payroll & Tax Services are available to respond to questions regarding specific information provided on Form 1095-C issued by Texas Tech University System. Questions regarding tax status, members not covered by state group benefits, and how to use the forms to file tax returns should be directed to the appropriate agency, employer, or tax advisor/attorney.

There are three parts to the form:

• Employee and Employer Information (Part 1): reports information about you and your employer.
• Employee Offer and Coverage (Part 2): reports information about the coverage offered to you by your employer, the affordability of the coverage offered, and the reason why you were or were not offered coverage by your employer.
• Covered Individuals (Part 3): reports information about the individuals (including dependents) covered under your self-insured plan.

The forms are very similar. The main difference is who sends the form to you. The entity that provides you with health insurance will be responsible for sending a Form 1095.

• You will receive a Form 1095-A if you were covered by a federal or state marketplace (also called an exchange).
• You will receive a Form 1095-B if you were covered by other insurers such as small self-funded groups or employers who use the Small Business Health Options Program (SHOP). You may also receive a 1095-B from your insurance carrier if you are enrolled in a fully-insured employer sponsored plan. Issued by the TTU/TTUHSC medical plan administrator.
• You will receive a Form 1095-C if coverage was provided by your employer. TTU/TTUHSC will issue this form.

If you worked at more than one company, you may receive a Form 1095-C from each company. For example, if you changed jobs in 2025 and were an eligible full-time or full-time equivalent employee who was offered and/or enrolled in employer-provided health care coverage with both employers, you may receive a Form 1095-C from each employer.