1099-HC info center

Harvard Pilgrim subscribers in Massachusetts who had health insurance during 2021 will be mailed a 1099-HC form by January 31, 2022. The 1099-HC form indicates the coverage you had in 2021 and will allow you to complete MA Schedule HC for yourself and any dependents when filing your Massachusetts income tax return. This information has been provided to the Massachusetts Department of Revenue.

1099-HC print tool

If you misplace your 1099-HC form or need an additional copy, beginning February 1, 2022, you can easily and securely print your most recent 1099-HC form using our  self-service 1099-HC print tool.

To ensure security, you’ll be asked to enter your name, date of birth and subscriber ID number from your Harvard Pilgrim card. You will also need to enter names and dates of birth for other covered members (spouse, dependents, etc.) you wish to be included on the form. "Pop-ups" must be enabled in your web browser for this site in order to use this tool.

Medicare subscribers

As Medicare coverage automatically meets the requirements for qualifying health insurance, Harvard Pilgrim subscribers on Medicare Supplement and Medicare Enhance plans will not receive a 1099-HC form.

If you have any questions about your responsibility to complete and file Schedule HC with your state income taxes, please contact your tax advisor or visit the Massachusetts Department of Revenue’s website.

Frequently asked questions

The 1099-HC form is a Massachusetts documentation requirement that serves as proof of Minimum Creditable Coverage health insurance for Massachusetts adult residents.

Massachusetts adult subscribers who had Minimum Creditable Coverage during 2021 will receive a 1099-HC form from Harvard Pilgrim. Because Medicare coverage automatically meets the requirements for qualifying health insurance, Harvard Pilgrim subscribers on Medicare Supplement and Medicare Enhance plans will not receive a 1099-HC form.

As part of Massachusetts health care reform, the Commonwealth Health Connector has set standards for required health care coverage. These standards, called Minimum Creditable Coverage, represent the "floor" of benefits that adult tax filers must have to be considered insured and avoid tax penalties. The benefit standards pertain to several different plan provisions, including covered services, prescription drug coverage, deductibles and out-of-pocket maximums.

No. The changes stemming from federal health care reform will not affect the Minimum Creditable Coverage status of your plan.

There could be several reasons why your health care coverage was considered noncompliant with Minimum Creditable Coverage standards, and therefore you didn’t receive a 1099-HC form from Harvard Pilgrim. By checking with your employer, you can determine if a feature of your overall plan design may not have been compliant with Minimum Creditable Coverage standards.

Yes. If you’re a Massachusetts resident, you’ll receive a 1099-HC, regardless of what state you work in. For example, if your workplace is located in New Hampshire but you are a Massachusetts resident, you’ll receive a 1099-HC. A coworker residing in New Hampshire will not.

Forms will be postmarked by January 31, 2022, and will be mailed in an envelope marked “Important Tax Document Enclosed.”

If you are filing a hard copy (paper) income tax return, you should include the 1099-HC form in your tax return mailing. You should also keep a copy of the 1099-HC form for your records. If you file electronically, you do not need to submit the form, but you should still keep it for your records.

Yes. Beginning February 1, 2022, if you misplace your 1099-HC form or need an additional copy, you can easily and securely print your most recent 1099-HC using our self-service 1099-HC print tool . To ensure security, you’ll be asked to enter your name, date of birth and subscriber ID number from your Harvard Pilgrim card. You will also need to enter names and dates of birth for other covered members (spouse, dependents, etc.) you wish to include on the form.

It depends. If you and your spouse are on a single Harvard Pilgrim contract meeting Minimum Creditable Coverage standards, you will receive only one 1099-HC form from Harvard Pilgrim. If you are on separate contracts, either both with Harvard Pilgrim or one of you on another insurance carrier's plan, you will receive a 1099-HC form for each contract you have with an insurance carrier, as long as the contract was active for at least 15 days in 2021 and is compliant with Minimum Creditable Coverage standards.

The 1099-HC form will be mailed to the subscriber’s address currently on file with Harvard Pilgrim. Please be sure that Harvard Pilgrim has your up-to-date mailing address.

No.

  • Name of health insurance company
  • Federal tax ID number for Harvard Pilgrim
  • Subscriber name
  • Subscriber date of birth
  • Subscriber member ID number
  • Subscriber address
  • Full-year coverage or monthly coverage designation
  • Dependent name(s) (if applicable on the plan)
  • Dependent date(s) of birth
  • Dependent member ID number(s)
  • Full-year coverage or monthly coverage designation for subscriber and each listed dependent

If you and any dependents had Minimum Creditable Coverage for the full year in 2021, the “Full-year Minimum Creditable Coverage” box will be checked on the 1099-HC form. If you and any dependents didn’t have Minimum Creditable Coverage for the full year, a checkmark will appear for each month you and any dependents had Minimum Creditable Coverage for 15 days or more in that month. There is a grace period of 63 consecutive days in which you or any adult dependents can be uninsured without incurring tax penalties, set by the Massachusetts Department of Revenue.

If you obtained coverage through your employer, your employer generally has up to 60 days to notify us of enrollment changes. As a result, we may not have current enrollment information on members enrolled through employer groups. If a change affects your monthly coverage as noted on your 1099-HC form, we will send you a corrected form.

If a tax advisor is preparing your Massachusetts income tax return, they should be provided with the 1099-HC form along with your other records. In any event, your tax preparer will need the following information from the 1099-HC form:

  • Name of insurance company
  • Federal tax ID number for insurance company
  • Subscriber ID number

As noted earlier, if you are filing a hard copy (paper) return, the 1099-HC form should be included with your tax return mailing.

Schedule HC should be included in the resident tax form package mailed to you. Additional copies and instructions are available on the Massachusetts Department of Revenue’s websiteYour tax advisor may also be able to provide a copy or additional assistance.

 

If you have any questions on your responsibility to complete and file Schedule HC with your state income taxes, please refer to theMassachusetts Department of Revenue’s website or contact your tax advisor.

If you have any questions about your 1099-HC, please call the Member Services department at (888) 333-4742 (TTY: 711).

Have additional 1099-HC questions?

Here are two great ways to find your answers!

If you have any questions on your responsibility to complete and file Schedule HC with your state income taxes, contact your tax advisor or visit the Massachusetts Department of Revenue’s website.

If you have additional questions about your 1099-HC form, please call the Member Services department at (888) 333-4742 (TTY: 711)