//Affordable Care Act Information

Per Affordable Care Act (ACA) requirements, CompuGain will be providing everyone who was employed and eligible to participate in our medical plan in 2015 with a new form, the 1095-C.  We will be sending these via regular USPS to the mailing address on file on or before 2/1/16.

Additionally, you will receive a Statement of Minimum Essential Coverage (1095-B) directly from the insurance carrier.  This form will provide details about your coverage, including dependents covered under your policy and the period during which you were covered during the year.  Employees covered by UHC in January 2015 and Anthem in February 2015 onward will receive one from each carrier.  Employees covered only from February 2015 onward will receive one 1095-B from Anthem.  This will also need to be filed with your taxes.

If you have moved and not informed us, please go here to update your address information.


What is the 1095-C?
The Affordable Care Act, or Obamacare, includes both the individual mandate and the employer mandate. The individual mandate requires that most Americans have qualifying healthcare coverage or potentially face a fine. The employer mandate requires employers with 50 or more full-time equivalent employees to offer healthcare coverage to their full-time employees or potentially face a fine. Much like the Form W-2 is used to determine whether or not you owe taxes, the IRS will use the information reported from your Form 1095-C to determine whether you (or CompuGain) may have to pay a fine for failing to comply with the Affordable Care Act.

The 1095-C is an annual statement to all employees eligible for coverage describing the insurance available to them.  CompuGain will be filing this form with the IRS and sending a copy to you.  You will be required to file this form with your 2015 tax return.

What information will I see on the form?

  • Employee and Employer basic information
  • Which months during the year that you were eligible for health insurance coverage
  • The cost of the cheapest Employee Only monthly premium you could have paid

Why didn’t I get a Form 1095-C?
Employees who were not eligible to participate in medical insurance coverage through CompuGain at any point in 2015 will not receive a 1095-C. Part-time employees working less than 30 hours per week on average are not eligible to participate in medical insurance benefits at CompuGain.

I did not participate in CompuGain’s medical plan.  Will I still receive the 1095-C?
Yes. CompuGain is required to distribute 1095-C to all employees who were eligible to participate in our medical plan during the year, regardless of whether or not they participated in our medical plan.

When will I receive 1095-C?
We will be sending these from Virginia via regular USPS to the mailing address on file on or before 2/1/16; you should receive it no later than the end of the first week of February.  If you do not receive it by then it is important that you reach out to us to request a copy since you will need this form when filing your taxes.

Is 1095-C available electronically?
No, however, if you do not receive your 1095-C in the mail by the end of the first week of February 2016 please reach out to [email protected] and we will be happy to send you an electronic copy of the form.

Will I receive the 1095-C with my W-2?
No. The W-2 is sent to you directly by our payroll provider, Ceridian.  CompuGain issues and will be separately mailing the 1095-C to you.  You will need both of these forms in order to file your taxes.
What if I did not have medical insurance in 2015?
No Health Coverage?  What That Means for Your Taxes.