health tax form 1095

Your Form 1095 is always available on HealthFx, a separate portal accessible only from BenefitConnect. 

• Login to the BenefitConnect website.
• Choose the Health Tax Form 1095 tile or Helpful Link on the home page.
• If you receive a HealthFx registration or password update prompt, follow the instructions on the screen.

Electronic delivery and the ability to view documents online applies only to the Form 1095 provided from Chevron; it doesn’t apply to a Form 1095 provided directly from an insurance carrier, another employer, or through Medicare. In addition, BenefitConnect will only display Form 1095 starting with the 2019 tax year. If you are searching for a historical form, please contact the HR Service Center for assistance.

Starting in January 2026, employers are no longer required to mail 1095 forms to participants. Your annual health tax form 1095 will generally be delivered online only. Forms will not be delivered by mail unless you specifically request one or reside in a state that requires mailed copies.

A notice will be posted to BenefitConnect in January when forms become available to be requested by mail. Follow the instructions in the notice.

Certain participants may continue to receive forms by mail without the need to submit a request, including:

• Individuals who lived in California, New Jersey, Rhode Island, or the District of Columbia for any part of the past year.
• Former employees who no longer have access to BenefitConnect.

You will receive a 1095-C from Chevron if:

• You were an employee eligible to enroll in Chevron medical coverage on any day in the prior tax year, whether or not you chose to enroll.
• Even if you are currently on COBRA or are a retiree, if you were an employee eligible to enroll in Chevron medical coverage on any day in the prior tax year, you will still receive a Form 1095-C.

You will receive a 1095-B from Chevron if:

• If you were on COBRA or a retiree (or eligible dependent) for the entire tax year and enrolled in one of Chevron’s self-insured medical plans (Medical PPO, High Deductible Health Plan, High Deductible Health Plan Basic). 

You will receive a 1095-B directly from your insurance carrier if:

• You were enrolled in one of Chevron’s fully-insured plans (Medical HMO, Global Choice Plan, International Healthcare Assistance Plan) for even one day of the prior tax year.

If you are enrolled in Medicare, the appropriate reporting will be done by Medicare.

You might see references to fully insured or self-insured plans. These terms reference how your medical plan is financed by an employer. Chevron offers both fully insured and self-insured plans. The IRS requires different Form 1095s depending on what kind of plan you are in.

For your information, these are currently Chevron's self-insured plans:

• Medical PPO Plan
• High Deductible Health Plan (HDHP)
• High Deductible Health Plan Basic (HDHP Basic)

These are Chevron's fully insured plans:

• All Medical HMO Plans
• Global Choice Plan (U.S.-Payroll Expatriates)
• Global Choice Plan (Expatriates in the U.S.)
• International Healthcare Assistance Plan (IHAP)

The IRS has issued guidance that you do not have to wait for either Form 1095-B or 1095-C to file your individual income tax return. You generally do not need to send the IRS proof of your medical coverage or your Form 1095. However, you should keep any documentation and your Form 1095 with your other tax records. This includes records of your family’s Chevron (or other employer-provided) coverage, premiums paid, and type of coverage. You are encouraged to consult a tax professional if you have questions about your U.S. tax return.

If you were enrolled for the entire tax year in any of Chevron’s active employee medical plans or Chevron's medical plans for retirees not eligible for Medicare, then you had what the IRS considers minimum essential coverage for each month of the year. You can simply check the appropriate box indicating your medical coverage situation when you file your federal income tax return. No further action is required of you. However, consider consulting a tax professional or review other tax resources for further instructions if any of the following situations applied to you in during the tax year:

• If you waived or did not have Chevron medical coverage for all or part of the year.
• If you chose to enroll in medical coverage through another employer.
• If you enrolled in medical coverage through the Health Insurance Marketplace.
• If you believe you are exempt from the shared responsibility payment.