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Pensions and Benefits
FORM 1095-B
EXAMPLE AND EXPLANATION

1095-B Frequently Asked Questions


The Patient Protection and Affordable Care Act is a federal law that requires almost everyone in the United States to have medical coverage. Form 1095-B is a form which reports the type of health benefits coverage and the period of coverage for the prior year for pre-age 65 retirees, COBRA recipients, and their dependents covered by the health insurance policy. For tax year 2016, people who do not have a minimal level of coverage may be required to pay a penalty to the Internal Revenue Service (IRS). Your Form 1095-B is proof that you and your covered dependents had medical coverage, so you can report it on your 2016 tax filing and avoid paying the penalty. You will need this form to complete your 2016 federal tax return.

Form 1095-B will be issued by the Division of Pensions and Benefits starting with the 2016 tax year to members covered by the State Health Benefits Program (SHBP) and School Employees' Health Benefits Program (SEHBP) as follows:

  • Retired group members that do not have Medicare coverage; or
  • Retired group members that have Medicare, but cover one of more dependents that do not have Medicare coverage; or
  • COBRA recipients covered by the SHBP or SEHBP.

Please note: Members and/or dependents with Medicare coverage that began prior to the 2016 tax year will not be listed on Part IV of Form 1095-B.

When you receive your Form 1095-B, please check the information carefully. If there are any errors, contact the Division of Pensions and Benefits, Office of Client Services at (609) 292-7524. Listed below is an example of Form 1095-B.


Click on an area of the form to view information about that part of the form.

form 1099r payer payer copy information box 4

Part I. Responsible Individual, lines 1–9: reports information about the member carrying the coverage.

 

Part II. Employer-Sponsored Coverage, lines 10–15: provides information for employer-sponsored the coverage (this part is blank for SHBP and SEHBP covered members).

 

Part III. Issuer or Other Coverage Provider, lines 16–22: reports information about the coverage provider (this part lists "State of New Jersey - Division of Pensions and Benefits" as "Issuer" for SHBP and SEHBP covered members).

 

Part IV. Covered Individuals, lines 23–28: lists the name and information for each covered individual during the tax year.

  • For each covered individual there is a box that will be checked if the person was covered by the SHBP/SEHBP for all 12 months of the year.
  • If an individual's SHBP/SEHBP coverage ended or was no longer the primary coverage for the full year (i.e., Medicare became the primary coverage mid-year), there is a box for each month; the months the person was covered by the SHBP/SEHBP only will be checked.

 

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