If you had health insurance through the ACA Marketplace, you'll need Form 1095-A to file your taxes. This form shows your coverage dates and any premium tax credits you received. Here's how to get it and what to do if it's missing or incorrect.
Form 1095-A, also called the Health Insurance Marketplace Statement, is a tax document you'll receive if you or anyone in your household had health coverage through the ACA Marketplace (HealthCare.gov) during the previous year.
The form includes:
The names of everyone in your household who was enrolled in Marketplace coverage
The months each person had coverage
The total monthly premium for your plan
The second-lowest-cost Silver plan (SLCSP) premium for your area (used to calculate your tax credit)
Any advance premium tax credits (APTC) paid on your behalf
You must have Form 1095-A to file your federal tax return if you received advance premium tax credits. The information on this form is used to complete Form 8962 (Premium Tax Credit), which reconciles the credits you received during the year with the amount you're actually eligible for based on your final income.
This reconciliation can result in:
Additional refund: If you received less in advance credits than you were entitled to
Amount owed: If you received more in advance credits than your income qualifies you for
No change: If the advance credits matched your eligibility
Important: Even if you didn't receive advance premium tax credits, you still need Form 1095-A if you had Marketplace coverage. You may be eligible to claim the premium tax credit when you file.
There are several ways to obtain your Form 1095-A:
1. Check Your Home Mailbox
The Marketplace mails Form 1095-A to the address on file from your enrollment. Forms must be sent by January 31 of the following tax year. If you moved during the year, make sure your address is updated in your Marketplace account.
2. Download from HealthCare.gov
The fastest way to get your 1095-A is to download it directly from your Marketplace account:
Log in to your account at HealthCare.gov
Select your completed application for the tax year you need
Select "Tax Forms" from the menu
Download your 1095-A
For detailed instructions with screenshots, visit: healthcare.gov/downloads/how-to-find-form-1095-a-online.pdf
3. Access Through Blue Connect
If you have Blue Cross NC coverage through the Marketplace, you can also access your 1095-A through Blue Connect:
Visit blueconnectnc.com and log in with your username and password
Navigate to "Forms and Documents"
Select "Tax Forms"
Locate the Form 1095-A for the relevant tax year, then click "Download."
4. Contact the Marketplace Call Center
If you haven't received your Form 1095-A by mid-February or have trouble accessing it online, contact the Health Insurance Marketplace Call Center:
Phone: 1-800-318-2596
TTY: 1-855-889-4325
Hours: Monday through Friday, 8 a.m. to 8 p.m. Eastern Time
Review your Form 1095-A carefully. Common errors include incorrect coverage dates, wrong premium amounts, or missing family members. If you find an error:
Contact the Marketplace Call Center at 1-800-318-2596 to request a correction
Wait for the corrected form before filing your taxes, if possible
If you've already filed with incorrect information, you may need to file an amended return (Form 1040-X) once you receive the corrected 1095-A
January 31: Deadline for the Marketplace to send Form 1095-A
Mid-February: If you haven't received your form by now, contact the Marketplace
April 15: Tax filing deadline (unless extended)
You may also receive other health coverage tax forms:
Form 1095-B: Sent by insurance companies or government programs (like Medicaid or Medicare) to confirm you had qualifying health coverage
Form 1095-C: Sent by employers with 50 or more full-time employees to report the health coverage they offered
These forms are for your records. Only Form 1095-A is required to complete your tax return if you had Marketplace coverage with premium tax credits.