Learn what to do if not qualified, didn't apply for Premium Tax Credit. Learn when you can expect forms 1095-A, 8962, and what to do next.

See if you’re qualified for a tax exemption. What to do without form 1095-A

If you had coverage through Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source, depending on the coverage you had, you may get Form 1095-B, Health Coverage, to help you complete your taxes.

The notes below can help you answer the following question on the Marketplace application.

• Note: If you haven’t applied for Medicaid or CHIP, don’t check the box.

In some limited cases insurance companies sell private health plans outside Open Enrollment that count as qualifying health coverage.

• The Marketplace doesn’t list or offer these plans. The only way you can enroll in a health plan through the Marketplace outside Open Enrollment is if you qualify for a Special Enrollment Period.
• You can find these plans through some insurance companies, agents, brokers, and online health insurance sellers. If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.
• Insurance companies can tell you if a particular plan counts as minimum essential coverage. Each plan’s Summary of Benefits and Coverage also includes this information.

Note: Most health plans sold outside Open Enrollment don’t count as qualifying health coverage.

You can deduct some expenses from your income on your Marketplace application.

If you had Marketplace coverage and used the premium tax credits to lower your monthly plan premiums, you must file this tax form with your federal income tax return. You’ll use this form to “reconcile” — to find out if you used more or less of the premium tax credit than you qualify for.

You’ll be asked to provide income information for each person when completing your application, including your spouse and all tax dependents. If someone has more than one source of income, you’ll report each source separately.

You can enroll in a private health plan through the Marketplace outside of Open Enrollment only if you qualify for a Special Enrollment Period.

Learn about your health coverage options if you are an American Indian or an Alaska Native at Healthcare.gov. Visit the Health Insurance Marketplace®

If your health insurer refuses to pay a claim or ends your coverage, you have the right to appeal the decision and have it reviewed by a third party.

There are 2 steps in the external review process when appealing a private health insurance company's decision