2023 Marketplace plan without premium tax credit

You must file a federal tax return for 2023 — even if you usually don't file or your income is below the level requiring you to.

What to include as income

Find out if you qualify for lower costs on Marketplace health insurance coverage at HealthCare.gov.

Job-based coverage for 2023

See tax requirements for Health Insurance Marketplace® Coverage bought in 2023. Learn when to expect forms 1095-A, 8962, what to do next.

Other health coverage for 2023

Get 2023 federal tax info for Medicare, Medicaid, Children's Health Insurance Program (CHIP), other coverage. Form 1095-B, 1095-C, more.

What do I need to enter about each person?

When entering your household members, add adults before adding children. If you get a message that someone you enter on your application needs to file their own application, they'll need to create their own Marketplace account to file their application.

You’ll be asked questions about you and your household. These questions may ask about your federal income tax returns.

Reconciling your tax credit from past years

If you use advance payments of the premium tax credit (APTC) to reduce the cost of your Marketplace premiums, you must file a tax return to report these payments, even if you don't usually file taxes. When you (and the tax filers on your application) file your federal income tax returns, you must "reconcile" any premium tax credits that you used during the year.

What if I already filed my tax return before I got my 1095-A, or before I got a corrected or voided one?

You may have to file an amended federal income tax return. This means you’ll have to file a corrected version of your return with the IRS.

How to reconcile your premium tax credit

If you had a Marketplace plan and used advance payments of the premium tax credit (APTC) to lower your monthly payment, you’ll have to “reconcile” when you file your federal taxes.

Using the tax tool when your Form 1095-A is missing some information

Most people get their Form 1095-A in their Marketplace account. A few may see this message:

No health coverage for 2023

Learn if you must pay fee for 2023 taxes if no health insurance coverage. See if you’re qualified for a tax exemption. What to do without form 1095-A.

How health coverage affects your 2023 federal income tax return

You must file tax return for 2023 if you are enrolled in a Health Insurance Marketplace® plan. Learn how to maximize health care tax credit & get highest return.

If you had job-based health coverage

Depending on the kind of job-based coverage you had (including COBRA or retiree coverage), you may get one of these from your employer or insurance company:

  • Form 1095-B, Health Coverage
  • Form 1095-C, Employer-Provided Health Insurance Offer and Coverage

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