Free Assistance With Healthcare.gov and ACA 1095-A Forms.
Missing, incorrect, or confusing 1095-A? Our specialists walk you through retrieval and help you understand your Marketplace form — at no cost.
The Basics
Form 1095-A is the Health Insurance Marketplace Statement sent to everyone who enrolled in a plan through Healthcare.gov or a state-based ACA exchange. It shows your monthly premiums, the second-lowest cost silver plan (SLCSP) benchmark, and any advance premium tax credits (APTC) paid on your behalf.
You must have your 1095-A to complete IRS Form 8962, which reconciles the tax credits you received during the year. Without it, you cannot accurately file — and the IRS may reject your return or issue a notice.
Step by Step
Three steps — or call us and we'll handle it for you, free.
Go to Healthcare.gov, sign in, and navigate to "Applications & Coverage" → "Tax Forms." Your 1095-A should be listed there by late January. State exchange users should log into their state marketplace account instead.
You can download a PDF of your 1095-A directly. If your address has changed or you didn't receive the mailed copy, you can request a reprint through your account or by calling the Marketplace.
If your form is missing, incorrect, or you're having trouble accessing your account, call 855-FOR-1095. We'll connect you directly with the Marketplace on a 3-way call and stay on the line until it's resolved — free.
No cost. No obligation. Real people ready to help.
Why It Matters
Without your 1095-A, you can't accurately complete your return — and the IRS may flag it.
Common Issues
1095-A reconciliation means comparing the advance premium tax credits (APTC) you received throughout the year to what you were actually eligible for based on your final income. This is done on IRS Form 8962 using the data from your 1095-A. If your income changed, your family size shifted, or there were errors on your form — reconciliation can get complicated fast.
Causes an incorrect tax credit calculation on Form 8962
Over- or under-states your credit eligibility period
Affects how credits are allocated and reconciled
May result in repayment or a larger refund
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IRS Form 1095-A is the Health Insurance Marketplace Statement — the essential tax document issued to anyone who enrolled in a health plan through Healthcare.gov or a state-based ACA exchange. If you received advance premium tax credits (APTC), your 1095-A is required to complete IRS Form 8962 and file an accurate return. Missing, late, or incorrect 1095-A forms are among the most common causes of tax filing delays. This guide covers everything you need to know about retrieving and understanding your 1095-A.
Form 1095-A is issued exclusively by the Health Insurance Marketplace — either the federal exchange at Healthcare.gov or a state-based marketplace like Covered California, NY State of Health, or Georgia Access. It is sent to every individual or family who enrolled in a Marketplace health plan for the tax year.
The form contains three essential columns: your monthly enrollment premiums (Column A), the second-lowest cost silver plan (SLCSP) premium for your coverage area (Column B), and any advance premium tax credits paid directly to your insurer each month (Column C). All three columns feed into IRS Form 8962, which reconciles the credits you received against what you were eligible for based on your actual annual income.
If you enrolled in a Marketplace health plan and received advance premium tax credits (APTC) — the subsidies that lowered your monthly premiums — then yes, your 1095-A is required. You must use it to complete Form 8962, which compares the credits you received to the credits you were eligible for based on your final household income.
Even if you didn't receive advance credits but enrolled in a Marketplace plan, you may still want to claim the premium tax credit on your return — and your 1095-A is required to do so. Do not file without it.
Navigate to "Applications & Coverage," then select "Tax Forms." Your 1095-A should be available as a downloadable PDF by late January each year.
If your address has changed or you didn't receive the mailed copy, you can request a reprint through your online account or by calling the Marketplace directly.
If your form is missing, contains errors, or you're locked out of your account — call 855-FOR-1095. We'll connect you directly with the Marketplace on a 3-way call at no charge.
Call right now and speak with a real 1095-A specialist. Free assistance, no automated systems, same-day resolution.
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