Didn’t Receive 1095-A? Here’s What to Do for Your Tax Return
Learn how to handle your tax return if you're missing Form 1095-A, including steps for requesting a replacement and reporting health coverage.
Filing taxes can be a complex process, especially when essential documents like the 1095-A form are missing. This form is required for taxpayers enrolled in health insurance through the Marketplace, as it provides critical information to reconcile premium tax credits and report health coverage accurately.
Why a 1095-A Form Is Necessary
The 1095-A form is vital for individuals who obtained health insurance through the Health Insurance Marketplace. It outlines key details about coverage, including the months covered and premiums paid. This information is essential for calculating the Premium Tax Credit (PTC), which helps offset premium costs, reducing taxes owed or increasing refunds. The form also includes data about the second lowest cost Silver plan (SLCSP), used as a benchmark for determining the credit. Errors in this information can lead to incorrect credit calculations, unexpected tax liabilities, or reduced refunds.
Requesting a Replacement
If your 1095-A form is missing or delayed, contact the Marketplace Call Center to request a replacement. Ensure your personal information is accurate to avoid further delays. Alternatively, log in to your Health Insurance Marketplace account to download a digital copy, which allows you to verify the data before sending it to the IRS.
Reporting Health Coverage Without the Form
If you haven’t received your 1095-A form, use other documentation, such as billing statements or payment records from your insurer, to confirm your health insurance coverage and premium payments. To estimate your Premium Tax Credit, complete IRS Form 8962. This form reconciles advance credit payments with the amount you’re entitled to based on your final income for the year. Accurate calculations require understanding your Modified Adjusted Gross Income (MAGI) and household size. Refer to IRS guidelines for help with these figures.
Keep detailed records of communications with the Marketplace and your insurer regarding your coverage. These records can be crucial if discrepancies arise during IRS audits or inquiries.
Correcting Your Return If You Filed Already
If you filed your taxes without the 1095-A form and later receive it, compare the form’s information with what you initially reported. If there are discrepancies, file an amended return using Form 1040-X. Submit this form within three years of the original filing date or two years from when you paid the tax, whichever is later. Clearly explain the changes and include supporting documents, such as the 1095-A form. Recalculate affected figures like Adjusted Gross Income (AGI) or tax credits to avoid further issues. Wait to file an amended return until you’ve received your original refund, as processing times can vary.