If anyone in your household had a Marketplace plan in 2023, you should get Form 1095-A, Health Insurance Marketplace® Statement, by mail no later than mid-February. It may be available in your Marketplace account anytime from mid-January to February 1.
You must have your Form 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 2023.
It comes from the Marketplace, not the IRS.
Keep your 1095-A forms with your important tax information, like W-2 forms and other records.
Your 1095-A has information about Marketplace plans any member of your household had in 2023, 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 use the
A tax credit you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace®. Your tax credit is based on the income estimate and household information you put on your Marketplace application.
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, complete Form 8962. If you don't qualify for a premium tax credit, you don't have to include Form 8962 when you file your taxes.