Where Can I Find My 1095-A Health Insurance Marketplace Statement?
Learn how to access, verify, and replace your 1095-A form to ensure accurate tax reporting for your Health Insurance Marketplace coverage.
The 1095-A Health Insurance Marketplace Statement is a key tax document for those who had health coverage through the federal or state marketplace. It details your insurance plan, premium payments, and any advance premium tax credits received. This form is required to complete IRS Form 8962, which determines if you got the correct financial assistance.
If you’re unsure where to find your 1095-A, there are several ways to access it.
Accessing the Marketplace Account
The quickest way is by logging into your Health Insurance Marketplace account. Each state either uses HealthCare.gov or operates its own marketplace, such as Covered California or New York State of Health. If you enrolled through HealthCare.gov, sign in with your username and password. For state-based exchanges, go directly to their official websites.
Once logged in, locate the section for tax documents. On HealthCare.gov, this is usually under “Tax Forms” or “Documents & Correspondence.” State marketplaces may use different labels, but the form is typically in a section related to past coverage or tax information. If available, download it as a PDF for easy access.
If the form isn’t there, check your enrollment status. Processing delays or reported income discrepancies can affect availability. Ensuring your account details are accurate can help resolve issues.
Retrieving the Statement by Mail
The Marketplace automatically mails the 1095-A to the address on file, typically by January 31. If you haven’t received it by mid-February, confirm your mailing address is correct. Address changes made after enrollment may not always update in time for tax documents.
Mail delivery times vary, especially during peak tax season. If you suspect your form was lost, you may need to request a replacement. Some state-based marketplaces allow duplicate requests online, while others require a phone call. Acting early can help avoid tax filing delays.
Contacting Marketplace Support
If you can’t access your 1095-A online and haven’t received it by mail, contact Marketplace support. Each state’s exchange has a helpline, and those who used HealthCare.gov can call the federal call center. Representatives can help locate missing forms, correct errors, and guide you through retrieval.
Before calling, have your full name, date of birth, Social Security number, and application ID ready. If calling on behalf of a household member, additional documentation may be required. Some state exchanges also offer live chat or email support.
In some cases, Marketplace support may need to escalate the request if there are enrollment discrepancies or system errors. If this happens, ask for a reference number and an estimated resolution timeline. Keeping track of follow-up dates can prevent unnecessary delays.
Verifying the Document’s Accuracy
Once you have your 1095-A, check that the information matches your coverage and payments. The form has three main sections:
– Part I: Personal details and policy information
– Part II: Household coverage specifics
– Part III: Monthly premium amounts, the second lowest cost Silver Plan (SLCSP), and any advance premium tax credits received
Errors in these figures can lead to mistakes on IRS Form 8962, affecting your tax liability or refund. One common issue is an incorrect SLCSP amount, which impacts the calculation of the Premium Tax Credit (PTC). If this figure is wrong, it can cause you to owe more or receive a smaller refund. The correct SLCSP premiums can be found through the Marketplace or IRS resources.
If any months show missing or unexpected premium tax credit payments, compare the form with bank statements or insurer records to verify the reported amounts.
Steps to Replace a Missing Statement
If your 1095-A is missing and you can’t retrieve it online or by mail, request a replacement as soon as possible. Since this form is required to reconcile advance premium tax credits, addressing the issue quickly can help avoid tax filing delays.
Contact the Marketplace where you enrolled. If you used HealthCare.gov, the federal call center can assist with generating a new copy. State-run exchanges have their own procedures, which may involve submitting a request online or speaking with a representative. Be prepared to verify your identity and provide details about your coverage year. Some marketplaces may require proof of enrollment or premium payment records before issuing a new form.
If the Marketplace can’t provide a replacement in time for tax filing, the IRS allows taxpayers to estimate their premium tax credit using alternative records. This includes monthly billing statements from your insurer, bank statements showing premium payments, or other official documents confirming coverage details. However, using estimated figures may require filing an amended tax return later if discrepancies arise. Keeping thorough documentation and following up with the Marketplace regularly can help ensure you receive an official copy as soon as possible.