If anyone in your household had a Marketplace plan in 2022, 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 2022.
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.
Your 1095-A contains information about Marketplace plans any member of your household had in 2022, including:
Premium tax credits used
A figure called
The second-lowest priced Marketplace health insurance plan in the Silver category that applies to you. It may not be the plan you enrolled in. You need to know your second lowest cost Silver plan (SLCSP) premium to figure out your final premium tax credit. In most cases, you’ll find your SLCSP premium on Form 1095-A.
How you find out if you used the right amount of premium tax credit during the year. To reconcile, you compare two amounts: the premium tax credit you used in advance during the year; and the amount of tax credit you qualify for based on your final income. You’ll use IRS Form 8962 to do this. If you used more premium tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you’ll get the difference as a credit.
Refer to glossary for more details.
" — find out if there's any difference between the premium tax credit you used and the amount you qualify for.
If you had Marketplace coverage but didn't take
A tax credit you can take in advance to lower your monthly health insurance payment (or “premium”). When you apply for coverage in the Health Insurance Marketplace®, you estimate your expected income for the year. If you qualify for a premium tax credit based on your estimate, you can use any amount of the credit in advance to lower your premium.
You’ll get a 1095-A too. Part III, Column C should be blank or have the number “0.”
If you want to check 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.
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?