form 1095-a example on a laptop

How to Use Form 1095-A

If anybody in your household had a Marketplace plan in 2019, then you should have Form 1095-A, Health Insurance Marketplace Statement, by mail no later than mid-February. It may be available in your HealthCare.gov accounts as soon as mid-January.

Important: You must have your 1095-A prior to filing your taxes.

Do not file your taxes until you have a true 1095-A.

  • Your 1095-A includes advice about Marketplace plans anybody in your household had in 2019.
  • Keep your 1095-As together with your important tax info, such as W-2 forms and other documents.
  • It should come from the Marketplace, not the IRS.

How to Find your 1095-A Online

Your 1095-A could be available on your HealthCare.gov accounts as soon as mid-January, or as late as February 1.

  1. Log into your HealthCare.gov account.
  2. Under “Your present Applications,” choose your 2019 application — not your 2020 application.
  3. Download all the 1095-As displayed on the screen.

Note: If you can’t find your 1095-A on your Marketplace accounts, speak to the Marketplace Call Center.

What is Form 1095-A about

Your 1095-A Includes information about Marketplace plans any part of your household needed in 2019, such as:

  • Premiums paid.
  • Premium tax credits utilized.
  • A figure known as”second lowest price Silver program” (SLCSP).

You’ll use information from your 1095-A to fill out Form 8962, Premium Tax Credit (PDF).

Form 1095-A example

This is the way you’ll “reconcile” – find out if there’s any difference between the top tax credit you used along with the amount you are eligible for.

In the event that you’d Marketplace coverage but didn’t accept advance payments of the premium tax credit.

Find out More about the 1095-A in the IRS.

How to check Form 1095-A for accuracy

  • Carefully read the instructions on the back.
  • Make sure it’s accurate. If anything about your policy or family isn’t right, contact the Marketplace Call Center. Think the”monthly registration premium” may be incorrect?
  • Guarantee that the info about this “second lowest price Silver Plan” (SLCSP) is correct.

How to know if Your Own SLCSP information is correct

Look at Part III, column B of your 1095-A, titled”Monthly second lowest cost silver plan (SLCSP) premium.” It should show figures for every month any household member had the Marketplace program.

The SLCSP premium is wrong if:

  • Part III, Column B includes a”0″ or is sterile for any month somebody in your household had the Marketplace plan.
  • You’d changed in your household that you didn’t inform the Marketplace around – such as having a baby, moving, getting married or divorced, or losing a dependent.

If applies to you, you will use our taxation tool to acquire the premium for your second lowest cost Silver plan.

Use the information in the 1095-A to”reconcile”

As soon as you have a true 1095-A and second lowest price Silver program premium, you are ready to complete Form 8962, Premium Tax Credit.

FAQ Section

FAQ section picture

Why would I get more than one 1095-A?

Likely because one of them applies:

  • You shifted Marketplace plans during the year.
  • You upgraded your application with new info — such as removing or adding a Relative, or moving that resulted in a new enrollment on your strategy.
  • Different household members had different plans.
  • If there are more than 5 members on the same plan.

If you think you should have more than 1 1095-A but do not, or if any information appears wrong, contact the Marketplace Call Center.

What if I paid full price to get a Marketplace program?

You are going to find a 1095-A too. Part III, Column C must be sterile or have the number “0”.

If you would like to find out whether you are eligible for a premium tax credit based on your final income, then it is possible to complete Form 8962 to learn.

If you do not qualify for a premium tax credit, you do not need to comprise Form 8962 if you file your income taxes.

What if I think my monthly enrollment premium is wrong?

The”monthly registration premium” on Form 1095-A (Section III, Column A) might be different from the monthly cost you paid. This does not necessarily mean there are mistakes, because:

  • Your plan included benefits in addition to the crucial health benefits needed by the healthcare law, like mature vision or dental benefits. In cases like this, the monthly enrollment premium in your Form 1095-A may reveal just the quantity of your premium that applied to essential health benefits.
  • You or a household member started or ended coverage mid-month. In this case, your Form 1095-A will reveal just the premium for those parts of the month coverage was provided.
  • You were registered in a stand-alone dental plan along with also a dependent under 18 was enrolled in it. In this case, the monthly enrollment premium on your Form 1095-A may be greater than you expect since it includes some of the dental plan premiums for pediatric benefits.

If some of these applied, the premium on your 1095-A is probably accurate. If you still think it’s incorrect, contact the Marketplace Call Center. If the form has errors, you will be sent a corrected version.

What if I had a Marketplace plan for part of the year?

Your 1095-A should include information for just the months you’d a Marketplace program. If you believe it’s wrong, speak to the Marketplace Call Center.

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