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

Form SSA-1099, Social Security Benefit Statement

If you received Social Security benefits during the year, you will receive a Form SSA-1099, Social Security Benefit Statement. Learn more from H&R Block.

New Tax Brackets (Tables): What’s Changed With Tax Reform

Learn about changes to the 2018 tax brackets under the new tax plan. Tax reform passed in 2017, resulting in new tax brackets that affect most taxpayers.

How to Handle an IRS Business Tax Audit

Learn what the IRS is looking for during a business tax audit, the steps you should take to prepare for an IRS audit, and when it's best to get expert help.

IRS Notice CP81 – Tax Return Not Received – Credit on Account

Learn about IRS Notice CP81, why you received it, and how to file past-due returns. Get tax help from the tax experts at H&R Block.