If you had a Marketplace plan with premium tax credits

Form 1095-A & your federal taxes

You should get your 1095-A form by mail no later than mid-February. It may be available in your HealthCare.gov account as soon as mid-January. Once you have it, follow the steps below.

You must file a federal tax return for 2022 — even if you usually don't file or your income is below the .

1. Find your Form 1095-A, Health Insurance Marketplace^® Statement

Find it in your HealthCare.gov account (select your 2022 application, not your 2023 application, and select "Tax Forms" from the menu on the left). You’ll also get a copy by U.S. Mail.
Can't find it? Get help finding your 1095-A.
IMPORTANT: Don’t file your 2022 taxes until you have an accurate 1095-A.
Learn how to use your 1095-A.

2. Make sure your 1095-A is correct — and if not, call us

Verify basic information about your health plan and household members on Parts I and II of the form. Find errors? Contact the Marketplace Call Center.
Make sure the premium for your second lowest cost Silver plan (SLCSP) is correct. Learn how to check your SLCSP.
If it’s not, use our tax tool when it’s available later in January to get your SLCSP.

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 — compare the amount you used in 2022 to lower your monthly insurance payment with the actual premium tax credit you qualify for based on your final 2022 income. Any difference will affect your refund or tax owed.
Get a step-by-step guide to reconciling your premium tax credit.

4. Attach Form 8962 when you file your federal income tax return

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

Health care tax resources

Tax guides and tools

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 when it’s available later in January only if your SLCSP is missing or wrong)

Tax forms & instructions

Form 1040, U.S. Individual Income Tax Return (PDF, 147 KB) and Form 1040 instructions (PDF, 4.1 MB)

More than one coverage status?

If you were enrolled in a Marketplace plan with premium tax credits for only part of 2022, or other family members had different coverage, visit the relevant pages below.

Learn what to do for: