AH INSURANCE SERVICES, INC.
TAMPA, FLORIDA

Since 2006, AH Insurance Services, Inc. has operated as a Life and Health Agency under Florida Department of Financial Services Agency License #L008249. The Agency is in the active full-time charge of Andrew Herman (Life and Health Agent, Florida License #E133514). We hope you will use our website frequently for educational purposes and to seek our advice when you are in the market for life, health and LTC insurance. If you are a Florida resident seeking property and casualty insurance, we can provide a referral to one of our local partners. Through our own agents and through referrals to other qualified insurance professionals, we offer insurance policies from a multitude of strong insurance carriers in Florida, California and many other states in the U.S. While we conduct most of our business via phone and webinar, in many places we can accommodate your request for an in-home appointment. Andrew Herman graduated from the University of Pennsylvania in 1987 with a degree in Mathematics and later earned the Certified in Long Term Care (CLTC), Fellow of the Society of Actuaries (FSA), and Member of the American Academy of Actuaries (MAAA) designations. Between 1987 and 2005 Andrew worked as a Long Term Care Actuary (both in-house and as a consultant) for many of the nation's top insurance companies. In 2005 he shifted his career focus to insurance sales, in order to directly help individuals and families find the best solutions to meet their insurance planning needs. The Marketplace, health coverage providers and applicable large employers will mail (or hand deliver) these forms to you or provide them electronically to you, if you have consented to electronic delivery. 6. My employer or health coverage provider has suggested that I opt to receive these forms electronically rather than on paper.  Are they allowed to ask me that?  Yes. Employers and health coverage providers may ask for your consent to receive the forms electronically. This is entirely acceptable and may be more convenient for you. Electronic forms provide the same information that is provided in the paper forms. Maybe.  You are likely to get more than one form if you had coverage from more than one coverage provider or if you worked for more than one employer that offered coverage. You are also likely to get more than one form if you changed coverage or employers during the year or if different members of your family received coverage from different coverage providers. :  You are single with two dependent children.  At the beginning of 2015, you were unemployed, and you and your children were enrolled in coverage through the Marketplace.  You received the benefit of advance payments of the premium tax credit to help pay for your coverage.  In August of 2015, you started working 40 hours per week for an employer with 300 employees (an applicable large employer) that offered health insurance coverage to you and your children.  However, that offer of coverage was considered unaffordable to you for purposes of the premium tax credit, so you did not enroll in it and instead continued your Marketplace coverage with advance payments of the premium tax credit.  Early in 2016, you receive Form 1095-A (from the Marketplace) and Form 1095-C (from your employer). You will use the information on Forms 1095-B to verify that you had health coverage for each month during the year and will check the full-year coverage box on your tax return.  You will not need to use Form 1095-C to help complete your return because the information about the offer of health coverage made by your employer relates to whether you are eligible for the premium tax credit and you cannot get a premium tax credit if you were not enrolled in a health plan in the Marketplace.  You will not attach Form 1095-B or Form 1095-C to your tax return, but you should keep both forms with your tax records. Not necessarily.  You will only receive a Form 1095-C from your employer if that employer is an applicable large employer, meaning it had 50 or more full-time employees (including full-time equivalent employees) in the year before the year to which the form relates.  Most employers have fewer than 50 employees and therefore are not applicable large employers required to provide Form 1095-C to their full-time employees. They all provide information about your health coverage during the prior year. The forms are provided by different entities. Form 1095-A, Health Insurance Marketplace Statement, is provided by the Marketplace to individuals who enrolled or who have enrolled a family member in health coverage through the Marketplace. Form 1095-B, Health Coverage, is provided by insurance companies and other coverage providers.  However, if your coverage was insurance purchased through the Marketplace or was a type of coverage referred to as “self-insured coverage” that was provided by an applicable large employer, you will receive a different form. Form 1095-C, Employer-Provided Health Insurance Offer and Coverage, is issued by applicable large employers to their full-time employees and, in some cases, to other employees. The forms are provided to different groups of people. Form 1095-B – Individuals who have health coverage outside of the Marketplace will get this form (except for employees of applicable large employers that provide self-insured coverage, who will receive Form 1095-C instead). Form 1095-C - Individuals who work full-time for applicable large employers will get this form.  Also, part-time employees also will get this form if they enroll in self-insured coverage provided by an applicable large employer. The forms contain some different information.  Form 1095-A, Form 1095-B, and some Forms 1095-C show who in your family enrolled in health coverage and for what months. Form 1095-A also provides premium information and other information you will need to reconcile advance payments of premium tax credit and claim the premium tax credit on Form 8962.  And Form 1095-C shows coverage that your employer offered to you even if you chose not to take that coverage.