If anyone in your household had a Marketplace plan in 2016, you should get Form 1095-A, Health Insurance Marketplace Statement, by mail no later than mid-February. It may be available in your HealthCare.gov account as soon as mid-January.
IMPORTANT: You must have your 1095-A before you file.
Don’t file your taxes until you have an accurate 1095-A.
- Your 1095-A includes information about Marketplace plans anyone in your household had in 2016.
- It comes from the Marketplace, not the IRS.
- Keep your 1095-As with your important tax information, like W-2 forms and other records.
How to find your 1095-A online
NOTE: Your 1095-A may be available in your HealthCare.gov account as early as mid-January or as late as February 1
- Log in to your HealthCare.gov account.
- Click the green "Start a new application or update an existing one" button.
- Choose "Go to my applications & coverage" at the bottom of the screen.
- Under "Your existing applications," select your 2016 application — not your 2017 application. It will be below your 2017 application.
- Select “Tax forms” from the menu on the left.
- Download all 1095-As shown on the screen.
If you can’t find it in your Marketplace account, contact the Marketplace Call Center.
What’s on Form 1095-A and why you need it
What to do when you get Form 1095-A
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’re 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, contact the Marketplace 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 Marketplace 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 Marketplace 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.