Marketplace plan with premium tax credits

This page applies if you were enrolled in a health plan through the Marketplace and used premium tax credits to lower your monthly payments. (Premium tax credits are sometimes called "subsidies," "discounts," or "savings.")

Note: You must file a federal tax return for 2015 — even if you usually don't file or your income is below the level requiring you to.

  1. Get your Form 1095-A, Health Insurance Marketplace Statement

  2. Make sure information on your 1095-A is right

  3. Fill out Form 8962 to "reconcile"

    • Use the information from your 1095-A to fill out Form 8962, Premium Tax Credit.
    • Use Form 8962 to “reconcile” your premium tax credit — to compare the amount you used in 2015 to lower your monthly insurance payment with the actual premium tax credit you qualify for based on your final 2015 income. If there’s a difference, it will affect the amount of your refund or your tax bill.
    • See a step-by-step guide to reconciling your premium tax credit.
  4. Attach Form 8962 when you file your federal income tax return

    • Don't attach your 1095-A to your return. Keep it with your other tax documents.

Health care tax resources

Tax guides and tools

Tax forms and instructions

If you were enrolled in a Marketplace plan with premium tax credits for only part of 2015

See what to do if: