Form 1095-A is the tax document the Health Insurance Marketplace sends you if anyone in your household had a Marketplace plan during the year. You'll receive it by mid-January following the coverage year, and you need it to file your federal tax return.
The form shows three key pieces of information for each month of the year: who in your household was enrolled, the monthly premium for the second-lowest cost Silver plan (SLCSP) in your area, and the amount of Advance Premium Tax Credit (APTC) paid on your behalf. This information feeds directly into Form 8962, which is how you reconcile your premium tax credit with the IRS.
You need Form 1095-A to file your taxes accurately. Without it, you can't complete the reconciliation process, and if you received any APTC, the IRS requires that reconciliation. Filing without it (or with incorrect information) can delay your refund or trigger an IRS notice.
Common issues to watch for: if you changed plans mid-year, you may receive more than one 1095-A. If the information on your form looks wrong (the premium amounts, the months of coverage, or the APTC amounts), contact the Marketplace to request a corrected form before you file.
The form is available in your HealthCare.gov account or your state Marketplace account. If you haven't received it by mid-February, log in to download it or call the Marketplace directly.
Contact the Marketplace (HealthCare.gov or your state exchange) to request a corrected form. Don't file your taxes with incorrect information; it can trigger reconciliation problems and IRS notices.
Yes. If you had Marketplace coverage, you'll receive a 1095-A regardless of whether you got subsidies. You should still use it when filing your taxes to verify your coverage and to claim any credit you may be owed.
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