How Do I Find My Form 1095-A?

If you enrolled in health insurance through the Health Insurance Marketplace (also called the Exchange or HealthCare.gov), you'll receive Form 1095-A each year. This form is essential for filing your taxes, as it helps you reconcile any premium tax credits you received throughout the year.

What is Form 1095-A?

Form 1095-A (i.e., the "Health Insurance Marketplace Statement) is a tax document that shows:

• The months you and your family members had Marketplace coverage
• The total monthly premiums for your plan
• The amount of advance premium tax credits (APTC) paid on your behalf
• Information about your coverage, including the second-lowest-cost Silver plan (SLCSP) premium

You'll need this information to complete Form 8962 (Premium Tax Credit) when you file your federal income tax return.

Where to Find Your Form 1095-A

Check Your HealthCare.gov Account

The easiest way to access your Form 1095-A is through your online Marketplace account:

1. Go to HealthCare.gov
2. Log in to your account
3. Select your application
4. Look for "Tax Forms" or "1095-A" in your account dashboard
5. Download or print your form

Your form is typically available by early to mid-January for the previous tax year.

Check Your State Marketplace Account

If you live in a state with its own Marketplace (like California's Covered California or New York's NY State of Health), log in to your state's Marketplace website instead of HealthCare.gov.

Check Your Mail

The Marketplace is also required to mail you a paper copy of Form 1095-A. If you haven't received it by early February, check your online account or contact the Marketplace directly.

Update Your Mailing Address

If you've moved, make sure your current address is updated in your Marketplace account. You can do this by:

• Logging in to your account
• Selecting "My applications & coverage"
• Updating your contact information
• Requesting a replacement form if needed

What If I Can't Find My Form 1095-A?

Contact the Marketplace Call Center

If you can't access your form online or haven't received it in the mail, call:

**HealthCare.gov:** 1-800-318-2596 (TTY: 1-855-889-4325)

For state Marketplaces, visit your state's website for the appropriate contact number.

Request a Replacement

You can request a duplicate form through your online account or by calling the Marketplace. Be prepared to verify your identity.

Don't Delay Your Tax Filing

If you're having trouble getting your Form 1095-A close to the tax filing deadline:

• Keep trying to access it through your online account
• Contact the Marketplace immediately
• Consider filing for a tax extension if necessary
• Do not estimate the information on your own, as incorrect amounts can result in owing money or receiving a smaller refund

Common Issues and Solutions

I received an incorrect Form 1095-A

If you notice errors on your form:

1. Log in to your Marketplace account
2. Contact the Marketplace call center
3. Request a corrected form (Form 1095-A Corrected)
4. Wait for the corrected version before filing your taxes, or file an amended return if you've already filed

I had Marketplace coverage, but didn't receive a form

If you had Marketplace coverage during the year but haven't received a Form 1095-A:

• Log in to your account to verify your coverage dates
• Check that your contact information is correct
• Contact the Marketplace immediately, as you may need this form to file your taxes

I received multiple Forms 1095-A

You may receive more than one Form 1095-A if:

• You had coverage from multiple Marketplace plans during the year
• You moved from one state Marketplace to another
• There were changes to your household or coverage

You'll need to use information from all forms when completing your tax return.

Important Deadlines

• Mid-January: Forms 1095-A typically become available
• January 31: Marketplace deadline to mail forms
• April 15: Federal tax filing deadline (typically)

Don't wait until the last minute to retrieve your form. Access it as soon as it's available to avoid any delays in filing your taxes.

Other Forms You Might Receive

It's important to note that Form 1095-A is only for Marketplace coverage. If you have other types of coverage, you may receive:

• Form 1095-B: From insurers, for coverage not through the Marketplace
• Form 1095-C: From employers, for employer-sponsored coverage

These other forms are for your records and typically don't need to be included with your tax return unless you're claiming a premium tax credit.

Need Help?

If you're having trouble finding your Form 1095-A or understanding the information on it, consider:

• Contacting your health insurance broker or agent
• Reaching out to a tax professional
• Using the Marketplace's customer service resources

Form 1095-A is a critical document for anyone who received advance premium tax credits during the year. Make sure you have it before filing your taxes to avoid delays, errors, or potential penalties.

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