2020 health coverage & your federal taxes

Important: 2020 tax filing changes due to the American Rescue Plan

You still need to use your Form 1095-A to "reconcile" your 2020 premium tax credits when you file your 2020 taxes. Here's what's changed:

  • If you got excess advance payments of the premium tax credit (APTC) for 2020, you don’t need to pay it back. This means you don’t have to report the excess APTC on your 2020 tax return or file Form 8962, Premium Tax Credit (PDF, 110 KB).

  • If you’re claiming a net Premium Tax Credit for 2020, including if you got an increase in premium tax credits when you reconciled and filed, you still need to include Form 8962.

  • You don’t need to file an amended return or do anything else if you already filed your 2020 taxes and reported excess APTC or made an excess APTC repayment.

  • Visit IRS.gov for more information on filing your 2020 taxes with excess APTC.

Choose your 2020 health coverage status for step-by-step directions & tax forms

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