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Qué son las formas de impuestos 1095 para el cuidado de la salud

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • November 18, 2024 1:46 PM
OVERVIEW

La Ley del Cuidado de la Salud a Bajo Precio introdujo tres nuevos formularios de impuestos relevantes para individuos, empleadores y proveedores de seguros de salud. Estos son los formularios 1095-A, 1095-B y 1095-C. Estos formularios ayudan a determinar si tienes el seguro de salud requerido bajo la ley. Para las personas que compraron seguros a través del mercado de seguros médicos, esta información les ayudará a determinar si pueden recibir el crédito tributario de prima de seguros médicos o si tienen que pagar de vuelta parte del crédito que recibieron por adelantado.

 

Puntos clave

  • Las formas de impuestos 1095 ayudan a individuos y al IRS a verificar y completar declaraciones de impuestos relacionadas a la cobertura de cuidado de salud y multas. 

  • El no tener cobertura de un seguro médico durante al menos tres meses o más puede requerir un pago de responsabilidad compartida para los años tributarios 2014-2018.
  • Exenciones de cobertura a bajo precio pudieran estar disponibles si el empleador no proveyó opciones de cobertura a bajo precio o el lapso sin cobertura de seguro médico es de tres meses o menos consecutivos.
  • El Formulario 1095-A provee información sobre seguros de salud adquiridos en el mercado de seguros, incluyendo la cantidad de cobertura, créditos tributarios, y la cantidad pagada por la cobertura, mientras que el Formulario 1095-B verifica si un individuo y sus dependientes tienen Cobertura Esencial Mínima (MEC por sus siglas en inglés), tipo de cobertura, que dependientes están cubiertos, y el periodo de cobertura.

Pago de responsabilidad compartida (para los años tributarios previos al 2019)

Para los años tributarios comenzando con el 2014 hasta el 2018, cualquier interrupción por elegibilidad de la cobertura de seguro de tres meses o más para ti o tus dependientes puede requerir que tengas que efectuar un pago de responsabilidad compartida. Esta información se reporta en tu declaración de impuestos y se obtiene de la información que proporcionas y la que se proporciona en los formularios 1095. Puedes estar exento de este pago si, por ejemplo:

  • Tu empleador no ofrece opciones de cobertura a bajo costo.
  • La falta de cobertura de seguro es de tres meses o menos consecutivos.
  • Perteneces a un grupo que está explícitamente exento de participar en la Ley del Cuidado de la Salud a Bajo Costo por el Servicio de Impuestos Internos (IRS, por sus siglas en inglés).

Verifica "¿Estás Exento de la Cobertura de Seguro de Salud?" para una lista completa de todas la exenciones disponibles.

Formulario 1095-A

Las compañías de seguros que participan en los intercambios de cuidados de la salud deben proporcionarte el formulario 1095-A, una declaración del mercado de seguros de salud. Este formulario incluye:

  • Tu nombre
  • La cantidad de cobertura que tienes
  • Todos los créditos tributarios a los que tenías derecho
  • Si los usó para pagar tu seguro de salud y la cantidad que pagó por la cobertura

Se utiliza esta información para completar tu declaración de impuestos, ajustar cualquier pago de crédito tributario recibido por adelantado y para que reclames cualquier crédito tributario por primas de seguros disponible.

Nota de TurboTax:

Los empleadores con más de 50 empleados a tiempo completo utilizan el Formulario 1095-C para reportar la cobertura ofrecida y si un empleado eligió participar o no.

Formulario 1095-B

Los empleadores con menos de 50 empleados a tiempo completo que ofrecen cobertura de salud, así como proveedores de seguros de salud, envían el formulario 1095-B a los miembros de sus planes de seguro de salud. Este formulario incluye:

  • El tipo de cobertura que tienes
  • La cobertura de tus dependientes
  • El período de la cobertura

Este formulario es utilizado para verificar en tu declaración de impuestos que tú y tus dependientes tienen por lo menos Cobertura Esencial Mínima (MEC por sus siglas en inglés). Si tuviste una interrupción en las coberturas de atención médica para el año tributario, puede que tengas que efectuar un pago por concepto de la responsabilidad compartida individual.

Formulario 1095-C

El Formulario 1095-C, La oferta y cobertura de seguro de salud proporcionada por el empleador, muestra la cobertura que te ofrece tu empleador.

Es utilizado por empresas con 50 o más empleados a tiempo completo o el equivalente de tiempo completo. Este formulario proporciona información sobre la cobertura que tu empleador te ofreció y si tú elegiste participar o no en el mismo. Puedes usar este formulario para completar tu declaración de impuestos.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

Tus impuestos bien hechos, con expertos bilingües a tu lado

Obtén asesoramiento ilimitado, una revisión final por parte de un experto bilingüe y tu máximo reembolso, garantizado con TurboTax Live Assisted Basic. Ahora disponible en español.

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Los impuestos estatales son adicionales.
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Presentación de impuestos 100 % gratis

Responde preguntas sencillas y TurboTax Free Edition se ocupará del resto. Ahora disponible en español.

Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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