2022 1095 Forms Information and FAQs | Blue Cross and Blue Shield of Illinois

Feb. 3, 2023

2022 1095 Forms Information and FAQs
Applies to fully insured groups

Blue Cross and Blue Shield of Illinois (BCBSIL) 1095-B forms for 2022 are now available in Blue Access for Members^SM (BAM^SM).

Members will also be able to request a paper form beginning Feb. 1, by calling the number on their ID card or visiting our web page TaxInfoIL.com

If you have questions about accessing forms or 1095 reporting, check out our 1095 Guide/FAQs.

Q: What are the different types of 1095 forms and reports?
A:

What is it?	Who sends it?	Who gets it?	What does it say?
1095-A Form	Health Insurance Marketplace	Marketplace Individual/Family plan members	Number of months the member had Minimum Essential Coverage
1095-A Report	Health Insurance Marketplace	IRS	Who had Minimum Essential Coverage & for how many months
1095-B Form	Health Insurer	Fully insured members & off-exchange Individual/Family members	Number of months the member had Minimum Essential Coverage
1095-B Report	Health Insurer (via the 1094-B electronic transmittal)	IRS	Who had Minimum Essential Coverage & for how many months
1095-C Form	ASO group	ASO members	Number of months the member had Minimum Essential Coverage
1095-C Report	ASO Group	IRS	Who had Minimum Essential Coverage & for how many months
1095-C Report	Applicable Large Employer - ASO AND Fully Insured	IRS	Who was OFFERED Minimum Essential Coverage & for how many months

Q: Does BCBSIL mail 1095-B forms?
A: The Internal Revenue Service (IRS) doesn’t require insurers to automatically mail 1095-B forms to members, so we don’t mail them unless a member requests a copy. We can only mail forms to individual members upon request; we’re not able to print forms for an entire group.

Q: Do we handle 1095-B reporting for other states?
A: For Fully Insured groups, we file forms with states that require 1095-B reporting, and we print and mail the forms to their members. For the 2022 tax year, this includes Vermont, Washington, D.C., New Jersey, Rhode Island and California. Note: We don’t provide additional information for members to verify their coverage beyond these forms, per their state requirements.

Q: Why doesn’t BCBSIL handle 1095-C reporting for groups?
A: 1095-C reporting is used for two purposes:

ASO groups use it to report about their employees’ Minimum Essential Coverage, and ASO groups are responsible for sending the 1095-C forms to members, so BCBSIL wouldn’t have that data.
Applicable large employers – both fully insured and ASO groups – are required by the IRS to report who they offered coverage to, which BCBSIL wouldn’t know.