2021 health coverage & your federal taxes

  • If you had Marketplace coverage at any point during 2021, you’ll use your Form 1095-A to "reconcile" your 2021 premium tax credits when you file your taxes.
  • If you got excess
    advance payments of the premium tax credit (APTC)
    for 2021, you’ll have to report the excess APTC on your 2021 tax return or file Form 8962, Premium Tax Credit (PDF, 110 KB).
  • If you’re claiming a net Premium Tax Credit for 2021, including if you got an increase in premium tax credits when you reconciled and filed, you still need to include Form 8962.
  • If you submitted your 2021 tax return electronically but it was rejected for a missing Form 8962, see how to fix it and correctly file electronically.
  • Visit IRS.gov for more information on filing your 2021 taxes with excess APTC.

Choose 2021 health insurance status for steps & tax forms

If more than one situation applied at different times or for different household members, start with one option, and we’ll take you to others.

You had a Marketplace plan with premium tax credits

You enrolled in a health plan through the Marketplace and used premium tax credits to lower your monthly payments.

You had a Marketplace plan without premium tax credits

You enrolled in a Marketplace plan but paid full price – because you either didn’t qualify for a premium tax credit or didn’t apply for one.

You had job-based health insurance

You had health insurance through a job, a retiree health plan, COBRA, or the Small Business Health Options Program (SHOP).

You had other health coverage

You bought a plan outside the Marketplace or were covered by Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source.

You had no health coverage

You had no health coverage for all or most of 2021.