
You can get your 1095-A form online or by mail, depending on your preference.
To get your 1095-A form online, you'll need to log in to your HealthCare.gov account. You can access your account by going to the HealthCare.gov website and following the prompts.
If you're unable to get your 1095-A form online, you can request a copy by mail. This is a good option if you don't have access to a computer or prefer to receive your form in the mail.
The IRS will typically mail 1095-A forms to taxpayers by January 31st of each year.
Understanding 1095 Form
You'll get a Form 1095-A if you or anyone in your household enrolled in a health plan through the Health Insurance Marketplace. This form is sent to you by the Marketplace, not the IRS.
The Form 1095-A contains important information, including the dates of coverage, total amount of the monthly premiums, and amounts of advance payments of the premium tax credit. You'll use this form to calculate the amount of your premium tax credit and reconcile any advance payments made on your behalf.
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You can get a copy of your Form 1095-A online from your HealthCare.gov or state-based Marketplace account, if you set one up. Some state-based Marketplaces may also offer electronic copies of the form through their websites.
If you haven't received your Form 1095-A or it's incorrect, contact the Marketplace from which you received coverage. They may need to send you a corrected form.
Here's a quick rundown of what you can expect from your Form 1095-A:
Receiving and Issues
If you purchased coverage through the Marketplace and you haven't received your Form 1095-A, contact the Marketplace right away. You should wait to receive your Form 1095-A before filing your taxes, and you can file as soon as you have all the necessary documentation.
Individuals who didn't purchase coverage through the Marketplace, including those with Medicaid or CHIP coverage, won't receive a Form 1095-A. This is because they didn't purchase coverage through the Marketplace.
If your Form 1095-A has an error, contact the Marketplace to ask for a corrected form.
What If I Don't Receive?

If you don't receive your Form 1095-A, contact the Marketplace from which you received coverage. You should wait to receive your Form 1095-A before filing your taxes.
Forms 1095-A must be sent to enrollees by January 31 of the following year. They sometimes take a while to arrive, so it may be February before you receive yours.
You can get a copy of your Form 1095-A through the Health Care Marketplace website or through the State HealthCare Marketplace you purchased it from. This way, you can still access your form even if you don't receive it in the mail.
If you don't get your form in a timely manner, you can contact the exchange, your health insurance carrier, or your employer, depending on who should be sending you a form.
Duplicate 1095 Received
If you received multiple Forms 1095-A, it's likely due to changes in your household or health plan enrollment throughout the year. You may have received one form for each time you updated your family information or switched plans.
In some cases, you'll enter the information from each form on Form 8962 for the corresponding months. If the forms report coverage for the same month, you'll need to refer to the instructions for Form 8962 for more information.
You can expect to receive a 12C letter from the IRS if they need clarification or verification of information on your tax return. This letter may ask for a copy of your Form 1095-A.
Reasons for receiving a 12C letter include:
- It appears that you are required to reconcile but did not include Form 8962.
- You submitted Form 8962 but it is incomplete.
- Based on the income that you reported, it appears that you are not eligible for the credit.
- The income or other entries on your Form 8962 are inconsistent with information on your tax return.
- The premium that you entered on your Form 8962 appears to be an annual amount, rather than monthly.
- There are questions about entries on your Form 8962 that may be clarified by a review of your 1095-A.
- We need to review your Form 1095-A to verify your Marketplace coverage.
Does Everyone Receive a Form?
You'll only receive a Form 1095-A if you bought your plan through the Marketplace and are eligible for the Premium Tax Credit.
People who enrolled in a health plan through the Marketplace will receive Form 1095-A, but those who had insurance through an employer, Medicaid, Medicare, or a private plan outside the Marketplace will receive a different form.
You'll still get a 1095-A even if you had Marketplace coverage for just part of the year.
A Copy of 2017?

If you purchased coverage through the federally facilitated Marketplace and set up a HealthCare.gov account, you can get a copy of Form 1095-A online from your account.
You can find Form 1095-A online by logging in to your HealthCare.gov account and clicking the green "Start a new application or update an existing one" button.
Clicking your name in the top right and selecting "My applications coverage" from the dropdown will help you locate the form.
Using and Filing
Using your 1095-A form with tax software or a tax preparer can be a breeze, but it's essential to double-check your entries. Many systems automatically use the data from your 1095-A to fill out Form 8962 correctly.
If your situation changed significantly during the year, your 1095-A may include multiple rows of data, so be sure to enter each line carefully to avoid errors.
Using Your 1095
You'll receive Form 1095-A, Health Insurance Marketplace Statement, from the Marketplace, not the IRS. This form is crucial for calculating your premium tax credit and reconciling advance payments made on your behalf.
You'll use the information from Form 1095-A to complete IRS Form 8962, which you'll file with your tax return. This form helps determine if you received the correct amount of premium tax credit during the year.
Form 1095-A will tell you the dates of coverage, total amount of the monthly premiums for your insurance plan, and amounts of advance payments of the premium tax credit. You'll also find the second lowest cost silver plan premium, which you may use to determine the amount of your premium tax credit.
If you purchased coverage through the federally facilitated Marketplace and set up a HealthCare.gov account, you can get a copy of Form 1095-A online from your account. This is a convenient way to access your form, especially if you misplaced the physical copy.
If you have not received your Form 1095-A or received an incorrect one, you should contact the Marketplace from which you received coverage. They may need to send you a corrected form.
Here's a summary of the information you'll find on Form 1095-A:
- Dates of coverage
- Total amount of monthly premiums
- Amounts of advance payments of the premium tax credit
- Second lowest cost silver plan premium
Remember, if you receive a corrected or voided Form 1095-A, you may need to amend your return. Check the IRS website for more information on what to do with a corrected or voided form.
Tips for Filing
If you're using tax software or working with a tax preparer, they will usually prompt you to enter the information from your 1095-A, and many systems automatically use that data to fill out Form 8962 correctly.
Double-check your entries to ensure the numbers on your 1095-A match what you report, especially if your form was corrected or reissued.
Your 1095-A may include multiple rows of data if your situation changed significantly during the year, like a job change or income fluctuation.
Can I Print My 1095 Online?
If you purchased coverage through the federally facilitated Marketplace, you can get a copy of Form 1095-A online from your HealthCare.gov account.
You can print your 1095 form online if you set up a HealthCare.gov account and purchased coverage through the Marketplace.
Just log in to your account and follow the prompts to access and print your Form 1095-A, Health Insurance Marketplace Statement.
Obtaining and Replacing
Obtaining and Replacing your 1095-A form is a relatively straightforward process. You can access it online through your HealthCare.gov account.
To find your 1095-A online, log in to your HealthCare.gov account, select your 2020 application, and download all 1095-As shown on the screen. You can also obtain a copy of your Form 1095-A through the Health Care Marketplace website https://www.healthcare.gov or through the State HealthCare Marketplace you purchased it from.
If you don't get your 1095-A Form, you can contact Covered CA for assistance at 1-800-300-1506 or contact your insurance agent who assisted you with your enrollment. There's only one place where you can get a copy of your 1095 tax form: your insurance company.
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Specific Questions
If you're looking for a specific 1095-A form, you can request it from the Health Insurance Marketplace. The Marketplace will send it to you electronically or by mail.
You can also ask the Marketplace to send a copy of your 1095-A form to the IRS. This is a good idea if you're missing a copy and need it to file your taxes.
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The 1095-A form is used to report the amount of premium tax credits you received for health insurance. If you received these credits, you'll need to report the information on your tax return.
You can find your 1095-A form by logging into your HealthCare.gov account online. It's usually available in the "Your Account" section.
The IRS will use the information on your 1095-A form to verify the premium tax credits you received. This can help you avoid any issues with your tax refund.
Frequently Asked Questions
Can I file my taxes without a 1095 form?
You can file your taxes without a 1095 form, but having one may help with preparation. If you don't receive your form in time, you can still file your taxes without it.
Do I get a Form 1095-A if I get insurance through my employer?
No, you won't receive a Form 1095-A if you get insurance through your employer. This form is only for those who buy insurance through the Health Insurance Marketplace
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