Information for tax filings

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.

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:

• Insurance company name
• Insurance company federal tax ID number
• Subscriber ID number

We’ll mail Form 1099-HC to your home address if our records show that you:

• Reside in Massachusetts
• Were covered by the health plan at any time during 2023
• Are the plan subscriber

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.

No. You need this form only if you’re filing a Massachusetts tax return for 2023. You can disregard this information otherwise.

The form will indicate that in 2023, you 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 a partial year’s coverage, the form will indicate which months you had coverage with us.

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.

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.

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.

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.

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.

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.

No. Your health insurer sends you Form 1099-HC.

Speak with your tax advisor or visit the Massachusetts Department of Revenue online.

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.

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

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.

Forms will be mailed in an envelope marked “Important Tax Document Enclosed” and postmarked by January 31, 2024. Form 1095-B will also be available online by January 31, 2024. If you’re a plan subscriber, log in to your secure member account to view and print Form 1095-B for yourself and your covered dependents.

Don’t have a secure member account? Create your account now.

If the form is not available for you online, please contact Member Services at the number on your member ID card.

If you’re a plan subscriber, log in to your secure member account to view and print Form 1095-B for yourself and your covered dependents.

Don’t have a secure member account? Create your account now. 

If the form is not available for you online, please contact Member Services at the number on your member ID card.

Yes, you could receive more than one copy if you changed insurance companies or changed employers at some time during the year, or if you had coverage under more than one Harvard Pilgrim plan. Copies of Form 1095-B will be available online. You may have to contact your previous insurance company or employer to obtain their Form 1095-B.

Federal regulation requires us to report Social Security numbers for all covered individuals to the IRS. We are contacting members for this information if it’s missing from our records. Minimum essential coverage requires Harvard Pilgrim to make three reasonable attempts to secure this information.