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.

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

  2. 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."
  3. 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.
  4. If you paid full price and want to see if you qualify for a premium tax credit based on your final 2015 income

    • Use the Health Coverage Tax Tool to find the premium for the second lowest cost Silver plan (SLCSP) that applied to you for 2015. (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). When you're done, you'll find out if you qualify for a premium tax credit based on your final 2015 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 2015 refund or reduce your tax bill.

Health care tax resources

Tax guides and tools

Tax forms and instructions:

If you enrolled in a Marketplace plan without premium tax credits for only part of 2015

See what to do if: