How to use Form 1095-A

If anyone in your household had a Marketplace plan in 2015, you should have received Form 1095-A, Health Insurance Marketplace Statement.

  • Don’t file your taxes until you have an accurate 1095-A.

IMPORTANT: Did you get a corrected 1095-A? If you already filed your taxes, you may need to file an amended return using your corrected 1095-A. Get information about amending returns from the IRS. If you haven’t filed yet, but sure to use the corrected 1095-A when you do file.

  • It includes information about Marketplace plans anyone in your household had in 2015.
  • It comes from the Marketplace, not the IRS.
  • You should have received it by mail or in your online Marketplace account.
  • Keep your 1095-As with your important tax information, like W-2 forms and other records.

How to find your 1095-A online

  1. Log in to your Marketplace account.
  2. Click the green "Start a new application or update an existing one" button.
  3. Choose "Go to my applications & coverage" at the bottom of the screen.
  4. Under "Your existing applications," select your 2015 application — not your 2016 application. It will be below your 2016 application.
  5. Select “Tax forms” from the menu on the left.
  6. 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 didn’t tell the Marketplace about changes to your household — 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. You don’t need to request a new form if your SLCSP is the only thing wrong with your 1095-A. Just print out a copy of your tax tool results. You’ll use it and the rest of the information from your 1095-A when you file.

Now 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 Form 8962 (PDF) and instructions (PDF).

See a step-by-step guide to reconciling your premium tax credit.

More Answers: Form 1095-A

What should I do if I received 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 at IRS.gov.

Why did I get more than one 1095-A?

If you got more than one 1095-A, it’s probably because one of these applies:

  • You changed Marketplace plans during the year
  • You updated your application with new information — like adding or subtracting 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.”

You can complete Form 8962 to find out if you qualify for a premium tax credit based on your final 2015 income.
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 should I do if I think my monthly enrollment premium is wrong?

The monthly enrollment premium listed on your Form 1095-A (Part III, Column A) may be different from your plan’s full monthly premium amount. This doesn’t always mean there are errors that need to be corrected.

The monthly premium on your 1095-A may be different from what you expect 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 to you, the premium shown on your Form 1095-A is probably correct. If you still think the information on your 1095-A is wrong, contact the Marketplace Call Center. You’ll be sent a corrected version of your Form 1095-A.