What Is a 1095-A Tax Form?

 

If you enrolled in coverage through the Health Insurance Marketplace last year, you’ll need Form 1095-A to prepare your taxes this year. 

But what is a 1095-A tax form? It’s a document that tells you:

  • The amount of advance payments of the premium tax credit you received
  • Your health coverage by month
  • Other information about your health insurance

The IRS Form 1095-A is necessary to see if you got too much or too little of the advance premium tax credit. You can use the form to compare the amount of premium tax credit you used in advance during the year and the premium tax credit you qualify for based on your income for the year. The difference between these two numbers will affect your refund or tax owed. This process is called reconciliation.

What’s on a 1095-A tax form? There are three parts of the Form 1095-A: 

  • Recipient information — This gives basic info about you (and spouse, if applicable), the policy issuer, and the dates of your insurance policy.
  • Coverage household — This gives info on all members of the household covered by your insurance (Ex: Name, date of birth, coverage start and end date).
  • Household information — This gives info about the premium tax credit, including monthly premium amounts for your plan, benchmark plan, and monthly premium tax credit advances

To get help reconciling your Advance Premium Tax Credit, make an appointment with one of our tax professionals. Remember to bring your IRS Form 1095-A.

How to Get a 1095-A Form Online

You should receive your Form 1095-A in the mail by mid-February. You might also be able to get your 1095-A form online through your HealthCare.gov account by mid-January.

If you don’t receive the form or it’s incorrect, contact your Marketplace call center. 

Related Topics

Related Resources

IRS Letter 2357C – Abatement of Penalties and Interest

Learn more about letter 2357C, why you received it, and how to handle an IRS 2357C letter with help from the tax experts at H&R Block.

IRS Business Audits

Is the IRS auditing your business' tax return? Read the IRS definition and get more insight from the tax experts at H&R Block.

How to Protect Yourself Against Tax Identity Theft

Fraudulent tax returns are an ever-growing problem. Learn how to protect yourself from tax identity theft with the experts at H&R Block.

1099-C cancellation of debt

Learn more about Form 1099-C and the cancellation of debt, with advice from the tax experts at H&R Block.