Anyone who was enrolled in a Marketplace health insurance plan in 2020 will need to use Form 1095-A when filing their taxes. Here is what you need to know:
How to get a 1095-A form
You should have received Form 1095-A, also called a Health Insurance Marketplace Statement, by mail from the Marketplace. Similar to a W-2, you will receive the form completed by the Marketplace. If you did not receive the form, it may be because you asked for only electronic communications in your Marketplace application. You can retrieve the form by following these steps:
- Log in to your HealthCare.gov account.
- Under "Your Existing Applications," select your 2020 application — not your 2021 application.
- Select "Tax Forms" from the menu on the left.
- Download all 1095-As shown on the screen.
If you still can't find your 1095-A form for 2020 coverage, call the HealthCare.gov Call Center at 800-318-2596 (toll-free).
Here is some more information from our federal partners at HealthCare.gov:
What's on Form 1095-A and why you need it
- Your 1095-A contains information about Marketplace plans any member of your household had in 2020, including:
How to check Form 1095-A for accuracy & what to do if it's wrong
How to know if your SLCSP information is correct
Look at Part III, column B of your 1095-A, titled “Monthly second lowest cost silver plan (SLCSP) premium." It should show figures for each month any household member had the Marketplace plan.
The SLCSP premium is incorrect if:
- Part III, Column B has a “0" or is blank for any month someone in your household had the Marketplace plan
- You had changes in your household that you didn't tell the Marketplace about — like having a baby, moving, getting married or divorced, or losing a dependent
If either applies to you, you'll use our tax tool to get the premium for your second lowest cost Silver plan.
Use the information from your 1095-A to “reconcile"
Once you have an accurate 1095-A and second lowest cost Silver plan premium, you're ready to fill out Form 8962, Premium Tax Credit.
See a step-by-step guide to reconciling your premium tax credit.
More Answers: Form 1095-A
Why would I get more than one 1095-A?
Probably because one of these applies:
- You changed Marketplace plans during the year
- You updated your application with new information — like adding or removing a family member, or moving — that resulted in a new enrollment in your plan
- Different household members had different plans
- If there are more than 5 members on the same plan
If you think you should have more than one 1095-A but don't, or if any information looks incorrect, call the HealthCare.gov call center.
What if I paid full price for a Marketplace plan?
You'll get a 1095-A too. Part III, Column C should be blank or have the number “0."
If you want to see if you qualify for a premium tax credit based on your final income, you can complete Form 8962 to find out.
If you don't qualify for a premium tax credit, you don't have to include Form 8962 when you file your income taxes.
Learn more about your taxes if you paid full price for a Marketplace plan.
What if I had a Marketplace plan for part of the year?
Your 1095-A should include information for only the months you had a Marketplace plan. If you think it's wrong, contact the HealthCare.gov Call Center.
What if I think my monthly enrollment premium is wrong?
The "monthly enrollment premium" on Form 1095-A (Part III, Column A) may be different from the monthly premium you paid. This doesn't always mean there are errors, because:
- Your plan included benefits in addition to the essential health benefits required by the health care law, like adult dental or vision benefits. In this case, the monthly enrollment premium on your Form 1095-A may show only the amount of your premium that applied to essential health benefits.
- You or a household member started or ended coverage mid-month. In this case, your Form 1095-A will show only the premium for the parts of the month coverage was provided.
- You were enrolled in a stand-alone dental plan and a dependent under 18 was enrolled in it. In this case, the monthly enrollment premium on your Form 1095-A may be higher than you expect because it includes a portion of the dental plan premiums for pediatric benefits.
If any of these applied, the premium on your 1095-A is probably correct. If you still think it's wrong, contact the HealthCare.gov Call Center. If the form has errors, you'll be sent a corrected version.
What if I get a corrected 1095-A, but already filed my tax return using an earlier version of the form?
You may need to file an amended return using the information on your corrected 1095-A. Get information about amending returns from the IRS.
How do I find a 1095-A for a previous year?
Follow these steps, but in step 2, choose your application for a previous year.
What to do with your 1095-A form
The first thing you should do after receiving the form is to check and make sure it is right.
After confirming that it's accurate, be sure to store it with important tax information, like W-2 forms and other records, so that you can easily find it when you're ready to file.
You can't file your federal taxes without Form 1095-A. You'll need it to "reconcile" — find out if there's any difference between the premium tax credit you used in 2020 and the amount you qualify for.