Healthcare

Use Form 1095-A when you file your taxes

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If anyone in your household had a Marketplace plan (except a Catastrophic plan) in 2025, you should get Form 1095-A, Health Insurance Marketplace® Statement, in the mail by mid-February. It comes from the Marketplace, not the Internal Revenue Service (IRS). 

  • If you enrolled through HealthCare.gov, your form may be available in your Marketplace account as early as mid-January.
  • If you enrolled through a state Marketplace, your form will come from them.

Your 1095-A includes details about any Marketplace coverage your household had in 2025, including premiums paid, the premium tax credit you used, and your second lowest cost Silver plan (SLCSP) premium. Don’t file your taxes until you have an accurate 1095-A. 

What if I didn’t use a tax credit and paid full price for a Marketplace plan?

Steps to finding Form 1095-A & "reconciling" your taxes

Once you have the form and confirm it's correct, you’ll use it to complete Form 8962, Premium Tax Credit, to “reconcile” and find out if there's any difference between the premium tax credit you used and the amount you qualify for. 

Step 1: Find your 1095-A online

If you don’t have a paper copy, find it online in your Marketplace account:

  1. Log into your Marketplace account and select your 2025 application—not your 2026 application. Select “View all applications” for the full list.
    • If you can't find your application, expand “Can't find your application?” Then select “Find My Application” and enter your application ID, coverage year, and state. Contact the Marketplace Call Center if you need help. 
    • To find a different year’s 1095-A, select your application for the year you need.
  2. Select “Tax forms" from the menu.
  3. Under "Your Form 1095-A," select "Download PDF." 
    • If you get a “Corrected" form, use this form instead of a previous version.
    • If you get a “Voided” form, don’t use it to file your taxes. But, you may want to keep it in case you need to show the IRS that your coverage was canceled. A voided form means your Marketplace plan was canceled after your 1095-A was already sent to you. 

Get step-by-step directions, with pictures (PDF, 284 KB).

If you can’t access your account, contact the Marketplace Call Center. They can help unlock your account or reset your password. Once you have access, you can log back in to view your current and prior-year 1095-A forms online.

Step 2: Check that your 1095-A is correct

Don't file your taxes until you have an accurate 1095-A. Keep it with your important tax information, like W-2 forms and other records.

After carefully reading the instructions on the back, review your form to make sure it’s correct. Confirm the people listed, the months you had coverage, and the second lowest cost Silver plan (SLCSP) premium:

  • If your coverage information or the people listed on your application are wrong, like a missing household member, contact the Marketplace Call Center.
  • If your personal information is incorrect, like your name, address, date of birth, or Social Security Number, you don’t need to request a corrected form. You can update that information on the other forms you submit to the IRS.
  • To check your second lowest cost Silver plan information, look at Part III, column B of your 1095-A titled, “Monthly second lowest cost Silver plan (SLCSP) premium.” It should show premiums for each month any household member had the Marketplace plan. The SLCSP premium is incorrect if:
    • Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan
    • You had changes in your household that you didn’t tell the Marketplace about, like having a baby, moving, getting married or divorced, or losing a dependent

If the premium is incorrect, use our tax tool to get the correct premium for your second lowest cost Silver plan.

What should I do if I think my "monthly enrollment premium" is wrong?

Step 3: Use your 1095-A to reconcile the premium tax credit

Once you have an accurate 1095-A and SLCSP premium, fill out Form 8962, Premium Tax Credit (PDF, 115 KB). 

More Answers: Form 1095-A

I got a 1095-A but didn't have Marketplace coverage. What should I do?

This could be for a few different reasons: someone in your tax household may have enrolled in a Marketplace plan (sometimes without your knowledge), a reporting error, or a potential fraudulent enrollment. Contact the Marketplace Call Center to report the issue.

Why would I get more than one 1095-A?

Probably because one of these applies:

  • You changed Marketplace plans during the year
  • You updated your application with new information, like adding or removing a family member, or moving, that resulted in a new enrollment in your plan
  • Different household members had different plans
  • If there are more than 5 members on the same plan

If you think you're missing a 1095-A, or if any information looks incorrect, contact the Marketplace Call Center.

What if I had a Marketplace plan for part of the year?

Your 1095-A should include information for only the months you had a Marketplace plan. If you think it’s wrong, contact the Marketplace Call Center.

What if I get a corrected 1095-A, but I already filed my tax return using an earlier version of the form?

You may need to file an amended return using the information on your corrected 1095-A.