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How do I Get My 1095 A Form

Updated: 10/29/21


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Any individual who obtained their health insurance through the federal or a state Marketplace during the year should receive by mail a Form 1095-A (Health Insurance Marketplace Statement).

How to find your 1095-A online

A taxpayer who obtained their health insurance using the Federal Marketplace can obtain their 2021 Form 1095-A online by doing the following in January, 2022:

  • Logging in to their HealthCare.gov account
  • Under “Your Existing Applications” select your 2021 application.
  • Select “Tax Forms” from the menu on the left
  • Download all 1095-As shown on the screen

See How to Use Form 1095-A for more details on how to find your 1095-A online on Healthcare.gov.

If the taxpayer obtained their health insurance using a State Marketplace they may or may not be able to obtain their 2021 Form 1095-A online. The taxpayer will need to log-in to their account on the State Marketplace website and see if it is available. If it is not available online, they will need to wait to receive their 1095-A in the mail in early February.

Health Insurance Marketplace page on irs.gov for a listing of the websites for the State Marketplaces.


When should you receive your Form 1095-A

Form 1095-A should be received by individuals who obtained their health insurance for themselves or their family members through a Marketplace by early February.


How to use Form 1095-A

The Form 1095-A provides information about their health insurance that the taxpayer will need to calculate the premium tax credit on Form 8962 (Premium Tax Credit).

If the taxpayer received a subsidy (advance premium tax credit) to help pay for their monthly health insurance premiums, they must reconcile the total subsidy they received with the calculated premium tax credit. The Form 1095-A includes information on the amount of monthly advance premium tax credit they received in Part III of the form.


How Many Forms Should You Expect?

For those who obtained their health insurance through a Marketplace, they will receive the following information returns:

  • Form 1095-A (Health Insurance Marketplace Statement) – The Health Insurance Marketplace sends this form to individuals who enrolled in coverage through them. It provides information that the individual needs to calculate the premium tax credit and to do the reconciliation of any advance premium tax credit they received that helped pay for their monthly insurance premiums.
  • Form 1095-B (Health Coverage) – The health insurance provider (company) is required to send this form to the individuals that they cover each year. This form is for informational purposes only and gives the individual information about who was covered and the period of time during the year they were covered. This form provides proof that they had health insurance coverage during the year. It is not needed to file the individual’s federal return.

For those who received their health insurance through their employer, they will receive the following information returns (neither of these forms are needed to complete or file their federal income tax return):

  • Form 1095-B (Health Coverage) – The health insurance provider (company) is required to send this form to the individuals that they cover each year. This form is for informational purposes only and gives the individual information about who was covered and the period of time during the year they were covered. This form provides proof that they had health insurance coverage during the year.
  • Form 1095-C (Employer Provided Health Insurance Offer and Coverage) – This form is sent by the individual’s employer and includes information about what coverage the employee offered.

What do I do if I received multiple Forms 1095-A? How do multiple forms affect my return?

An individual may receive multiple 1095-As for one year if members of their household were not all enrolled in the same health plan, the individual updated their family information during the year, the individual switched plans during the year or the individual had family members enrolled in different states.
If the individual receives more than one Form 1095-A, they should add the amounts together for all 1095-As they receive and enter the totals on the applicable lines of Form 8962 (Premium Tax Credit) as follows:

  • Each column of all Form 1095-As, line 33 (Annual Totals) should be totaled and entered on Form 8962 as follows:
    • Form 1095-A, line 33, column a to Form 8962, line 11, column a.
    • Form 1095-A, line 33, column b to Form 8962, line 11, column b.
    • Form 1095-A, line 33, column c to Form 8962, line 11, column f.
  • The monthly amounts on Form 1095-A, Part III lines 21 – 32 for each 1095-A for each month should be entered based on the Form 8962 instructions for lines 12 – 33 which begin on page 14 of these instructions.

What other forms will I need?

The Form 1095-A is needed in order to calculate the premium tax credit and reconcile the advance premium tax credit payments. The calculation of the credit and the reconciliation is done on Form 8962 (see below).

Form 8962 (Premium Tax Credit)

The Form 8962 is used to figure the amount of the premium tax credit and to reconcile it with any advance premium tax credit payments that the taxpayer received to help pay for their monthly health insurance premiums.
The Form 8962 should only be completed by taxpayers that obtained their health insurance coverage through a Marketplace.
Using information from the Form 1095-A the premium tax credit is calculated in Part I and II of the Form 8962 The reconciliation is done in Part II.
For more information see the following on the IRS website:


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FAQ

What should I do if my Form 1095-A is incorrect and I have not received a corrected form?

If an individual believes the Form 1095-A is incorrect, they need to contact the Federal Marketplace or the State Marketplace that they obtained their health insurance from and have them send them a corrected Form 1095-A.
See the Health Insurance Marketplace page on irs.gov for a listing of contact information for the Federal and State Marketplaces.

Do you need Form 1095 to pay your taxes?

If an individual obtained their health insurance through the Federal Marketplace or a State Marketplace, then they will need the Form 1095-A to complete their federal tax return.

The Form 1095-A contains information that is needed to calculate the premium tax credit and complete the reconciliation of any advance premium tax credit that the taxpayer received with the calculated credit.

What should I do if I don’t receive a Form 1095-A?

If an individual did not receive a Form 1095-A in the mail by early February, they should do one of the following:

  • Log-in to their account on the website of the Federal or the State Marketplace they obtained their health insurance from and see if their Form 1095-A is available as a PDF.
    • If their Form 1095-A is available, then they can print it out
    • If their Form 1095-A is not available, they will need to call the applicable Marketplace and have the Marketplace mail them a replacement copy
  • Call the Federal or State Marketplace that they used to obtain their health insurance and have a replacement copy mailed to them

Health Insurance Marketplace  page on irs.gov for a listing of contact information for the Federal and State Marketplaces.

Additional Form 1095-A and Premium Tax Credit Resources

See the following for more information on the Form 1095-A: