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How to use Form 1095-A
If anyone in your household had a Marketplace plan in 2019, you should get Form 1095-A, Health Insurance Marketplace Statement, by mail no later than mid-February. It may be available in your HealthCare.gov account as soon as mid-January.
IMPORTANT: You must have your 1095-A before you file.
Don’t file your taxes until you have an accurate 1095-A.
· Your 1095-A includes information about Marketplace plans anyone in your household had in 2019.
· It comes from the Marketplace, not the IRS.
· Keep your 1095-As with your important tax information, like W-2 forms and other records.
How to find your 1095-A online
Note: Your 1095-A may be available in your HealthCare.gov account as early as mid-January, or as late as February 1.
Log into your HealthCare.gov account.
Under "Your Existing Applications," select your 2019 application — not your 2020 application.
Select “Tax Forms” from the menu on the left.
Download all 1095-As shown on the screen.
Get screen-by-screen directions, with pictures (PDF).
Note: If you can't find your 1095-A in your Marketplace account, contact the Marketplace Call Center.
What’s on Form 1095-A and why you need it
· Your 1095-A contains information about Marketplace plans any member of your household had in 2019, including:
o Premiums paid
o Premium tax credits used
o A figure called “second lowest cost Silver plan” (SLCSP)
· You’ll use information from your 1095-A to fill out Form 8962, Premium Tax Credit (PDF). This is how you'll "reconcile" — find out if there's any difference between the premium tax credit you used and the amount you qualify for.
· If you had Marketplace coverage but didn't take advance payments of the premium tax credit.
· Learn more about the 1095-A from the IRS.
How to check Form 1095-A for accuracy & what to do if it's wrong
· Carefully read the instructions on the back.
· Make sure it’s accurate. If anything about your coverage or household is wrong, contact the Marketplace Call Center. Think the "monthly enrollment premium" may be wrong? Read this before contacting the Call Center.
· Make sure the information about the “second lowest cost Silver Plan” (SLCSP) is correct.
How to know if your 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 each month any household member had the Marketplace plan.
The SLCSP premium is incorrect if:
· Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan
· You had changes in your household that you didn’t tell the Marketplace about — like having a baby, moving, getting married or divorced, or losing a dependent
If either applies to you, you’ll use our tax tool to get the premium for your second lowest cost Silver plan.
Use the information from your 1095-A to “reconcile”
Once you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.
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