What is a 1095-A and where can I find it?

Modified on Tue, 31 Jan 2023 at 08:45 PM

If you purchased private healthcare through the Health Insurance Marketplace (HealthCare.gov), then you can expect to receive Form 1095-A, Health Insurance Marketplace Statement.

Form 1095-A is a document that tells you:

  • The dates of your applicable coverage
  • The cost of your monthly insurance premiums
  • The second lowest cost silver plan premium used to calculate the amount of premium tax credit you’re eligible to receive
  • The amount of premium tax credit advance payments you’ve received

You will use this information to reconcile the premium tax credit when filing your federal tax return.

Where Do I Get Form 1095-A?

Form 1095-A can be downloaded electronically from where you purchased coverage, either the federally facilitated Marketplace (HealthCare.gov) or the state-based Marketplace. Simply log in and download a copy from your account. If you run into any trouble, contact a Marketplace representative.

Upon receipt, you should check it over for accuracy. If any of the information about your coverage or household is wrong, contact the Marketplace Call Center to have it corrected.

What Do I Do with Form 1095-A?

The information on From 1095-A will be used to reconcile your premium tax credits by completing Form 8962, Premium Tax Credit. Reconciling is where you compare your actual income against the projected income that was initially used at the time of purchasing your coverage and calculate your tax credit.

In general, if your income is higher than expected, then you may have to pay back some of this credit. If your income was lower than expected, then you may receive an additional refund.

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