This form is for plan members who file Massachusetts state taxes. Form 1099-HC:
Harvard Pilgrim has provided the information on Form 1099-HC to the Massachusetts Department of Revenue (DOR).
This form is a document that provides you with proof of insurance required under the Affordable Care Act (ACA). This form is for your information only. You no longer have to file information from Form 1095-B on your federal tax return. Please keep a copy for your records.
Form 1099-HC serves as proof of health insurance coverage for Massachusetts residents age 18 and older. This proof of coverage is required for filing your Massachusetts state income tax return. You may be subject to a financial penalty for any month that you or anyone in your family does not have minimum creditable coverage.
Should I attach Form 1099-HC to my Massachusetts state income tax return?Yes, if you’re filing a paper tax return with the Massachusetts DOR. If you’re filing electronically, you don’t need to submit the form, but you should keep a copy with your tax records.
Your tax preparer will need the following information from Form 1099-HC:
We’ll mail Form 1099-HC to your home address if our records show that you:
You’ll need this information to complete Schedule HC of your 2023 Massachusetts tax return. The information on Form 1099-HC is reported to the Massachusetts DOR.
I live and work outside of Massachusetts. Do I need this form?No. You need this form only if you’re filing a Massachusetts tax return for 2023. You can disregard this information otherwise.
What does Form 1099-HC indicate?The form will indicate that in 2023, you had either:
Please note: You are considered covered under a health plan for a month if you had coverage for at least 15 days in any given month. If you had coverage for 14 or fewer days, your form will not show coverage with us for that month.
Could I receive more than one copy of Form 1099-HC if I had coverage from more than one insurance company in tax year 2023?
Yes, if you changed insurance companies during the year or if you had coverage under more than one Harvard Pilgrim plan. You’ll need all of your forms to prepare Schedule HC for your Massachusetts tax return.
I got a letter saying my plan wasn’t compliant with minimum creditable coverage standards. If I’m enrolled in a health plan through my employer, why didn’t I get a 1099-HC form?
There could be several reasons why your health care coverage was noncompliant. You can check with your employer to find out if part of your overall plan may not have complied with minimum creditable coverage standards.
It’s after January 31, 2024, and I haven’t received Form 1099-HC. What should I do?If you haven’t received a Form 1099-HC from us and believe you should have, you can use our Form 1099-HC print tool.
If members of my family who are covered under my plan file their own taxes, will they receive Form 1099-HC?
We send only one copy of Form 1099-HC to the plan subscriber. You can make a copy for any dependent who lives at the same address and needs proof of coverage. If you have a covered dependent who lives at a separate Massachusetts address, we’ll send a 1099-HC to their address.
Please note: Dependents should use their individual member number, including the two digits after the dash, when filing their taxes. The member number is listed on their member ID card and on their individual coverage record as it appears on Form 1099-HC.
What if I notice that the information on the form is incorrect?If you have coverage through your employer, they generally have up to 60 days to let us know about enrollment changes. We’ll send you a corrected form if a change affects your monthly coverage as noted on your Form 1099-HC.
If I receive my health care coverage through an employer, will my employer send me Form 1099-HC?No. Your health insurer sends you Form 1099-HC.
Where can I find more information about Form 1099-HC?Speak with your tax advisor or visit the Massachusetts Department of Revenue online.