2016 taxes & the Health Insurance Marketplace^®

2016 Marketplace plan without premium tax credits

This page applies if you were enrolled in a Marketplace plan but didn't qualify for (or didn't apply for) a premium tax credit.

Get your Form 1095-A, Health Insurance Marketplace^® Statement

• Find it in your HealthCare.gov account (select your 2016 application, not your 2017 application, and select "Tax Forms" from the menu on the left) or by U.S. Mail.
• Can't find it? Here is how you can find your Form 1095-A. If you're still having problems, contact the Marketplace Call Center, not the IRS.
• Learn how to use your 1095-A.

Make sure information on your 1095-A is right

• Verify basic information about health plan and household members on Parts I and II of the form. See errors? Contact the Marketplace Call Center.
• If you paid full price for your health plan, Part III, column C should be blank or have the number "0."

If you paid full price and are sure you don't qualify for a premium tax credit

• You aren’t required to fill out Form 8962, Premium Tax Credit, when you file your federal taxes.
• Keep your Form 1095-A with your other tax records.

If you paid full price and want to see if you qualify for a premium tax credit based on your final 2016 income

• Use the Health Coverage Tax Tool to find the premium for the
  second lowest cost Silver plan (SLCSP)

  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.

  that applied to you for 2016. (If you paid full price, this information will be missing from your 1095-A.)
• Use this figure to fill out Form 8962, Premium Tax Credit (PDF, 115 KB). When you're done, you'll find out if you qualify for a premium tax credit based on your final 2016 income.
• If you qualify for a premium tax credit, you must complete Form 8962 and attach it to your federal income tax return.
• Your credit will either increase your 2016 refund or reduce your tax bill.

Health care tax resources

Tax guides and tools

• Printable guide to using Form 1095-A
• IRS information on Form 1095-A
• Step-by-step guide to reconciling your premium tax credit
• Health coverage tax tool (use only if you paid full price and want to see if you qualify for a premium tax credit)

If you enrolled in a Marketplace plan without premium tax credits for only part of 2016

See what to do if:

• You were enrolled in a Marketplace plan for part of the year with premium tax credits
• You had job-based coverage for part of the year
• You had other coverage for part of the year
• You had no coverage for part of the year