Health Care Reform

Notice: Important information regarding Form 1095-C

You will receive Form 1095-C from Human Resources detailing medical coverage throughout the year as per the Affordable Care Act requirement. This form is not necessary to file your taxes, but you will have to report whether you had affordable, minimum essential coverage during the prior tax year. Purdue faculty and staff members in benefits-eligible positions are offered compliant medical coverage.

Note: Due to the Paperwork Burden Reduction Act signed into law December 23, 2024, paper 1095-C forms will no longer be mailed to employee homes unless requested. If you would like a paper copy mailed to your home address, please contact the Purdue HR Service Center at 765-494-2222 or by email at hr@purdue.edu. Please include “2025 1095-C” in the subject line of your email when requesting a paper copy.

Frequently asked questions about Form 1095-C can be found here.

If you are unsure whether you were offered coverage, please contact Human Resources at (765) 494-2222 or email hr@purdue.edu.  

Since Jan. 1, 2014, the Patient Protection and Affordable Care Act also known as Health Care Reform or Obamacare – has included an individual mandate that required Americans to have health care coverage or pay a fine. Individuals can get the required insurance through an employer plan (such as Purdue’s plans for benefits-eligible faculty and staff, or a spouse’s employer plan), through a government program (such as Medicare or Medicaid) or through insurance they buy on their own. Effective Jan. 1, 2019: The individual mandate is no longer in effect, meaning Americans without medical coverage will not face the previously associated penalties at tax time.

To help those who are looking to buy insurance on their own, the government’s  Health Insurance Marketplace - HealthCare.gov - connects people to the health insurance “exchanges” available in their area. 

Exchange Notice

Background

The Affordable Care Act – commonly known as Health Care Reform or “Obamacare” – originally required everyone to have health care insurance or pay a fine. Although the penalty for not having insurance was eliminated at the end of 2018, it is still highly recommended you have insurance. You can get insurance through an employer plan (such as Purdue’s plans for benefits-eligible faculty and staff, or a spouse’s employer plan), through a government program (such as Medicare or Medicaid) or through coverage you buy on your own.

To help those who are looking to buy insurance on their own, the government’s Health Insurance Marketplace will connect people to the health insurance “exchanges” available in their area. Employers are required to send the attached notice to all new employees (including those who are not eligible for benefits) to make them aware of their Marketplace options.

Benefits-eligible Purdue faculty and staff: What this means for you

• Because Purdue’s medical plans are considered affordable and meet minimum value under Health CareReform, employees who are offered Purdue medical plans will not receive a premium tax credit (IRS tax creditto help pay for premiums) through the Marketplace. This likely makes the plans offered through Purdue abetter value for benefits-eligible employees than plans offered through the Marketplace. Marketplace rates areavailable at www.healthcare.gov once you fill out an application.
  
  
• If you plan to have medical coverage through Purdue, you are not required to take any action relatedto this notice.
  
  
• The information in this notice does not affect your Purdue medical insurance enrollment. Benefitsenrollment for your Purdue medical options will take place as usual, within 30 days of your hire date.
  
  
• You can learn more now about medical plan options through the Purdue Benefits website athttps://www.purdue.edu/hr/Benefits.

• All employees may visit https://www.healthcare.gov/ for Marketplace coverage information and related links.
  
  
• Benefits-eligible faculty and staff may contact the Purdue Human Resources Service Center at 765-494-2222,toll-free at 877-725-0222, or hr@purdue.edu.