Form 1095A: How to File, Fix & Get Help | Meta Tax (Mobile)
Health Coverage & Taxes

Form 1095A: When You Need It & Who Must File

If anyone in your tax household was covered by a Health Insurance Marketplace plan, you may need Form 1095A and you may be required to file Form 8962. This page focuses on when 1095A is needed and who must file, with official links and phone numbers at the bottom.

When you need Form 1095-A

Do I need it?

When you need Form 1095A (and must file Form 8962)

You’ll need 1095A if any of these are true
  • You (or anyone on your return) enrolled in a Marketplace (Exchange) health plan for any month of the year even part-year.
  • Advance premium tax credit (APTC) was paid to your insurer for anyone in your household. You must reconcile APTC on Form 8962.
  • You want to claim the Premium Tax Credit (PTC) based on your final income you’ll use the 1095A to complete Form 8962.
Real-life examples
  • You had Marketplace coverage for a few months between jobs.
  • Your child or dependent was listed on your Marketplace policy (even if someone else claims them this year).
  • There were household changes (marriage/divorce, moves, add/remove dependent) during the year.

Sources: IRS: About Form 1095A · IRS: About Form 8962 · IRS: Pub 974

How should I receive my 1095-A form

Delivery

How should I receive my 1095A form?

What to expect
  • By mail: Your 1095A is typically mailed by mid February for the prior tax year.
  • Online: It’s usually available in your Marketplace account from mid January through early February (select your prior year application, then “Tax Forms”).
  • If you can’t find it: Call the Marketplace Call Center for help retrieving it or getting next steps.

Sources: HealthCare.gov: Health coverage & your federal taxes · How to find your 1095A online · IRS: Marketplace statements

What we’ll ask you for
  • I need your 1095A.
  • I need the policy number.
  • Line 33 to Columns A, B, C (Monthly enrollment premiums, SLCSP, and APTC).

Source: IRS: Form 1095A (layout) · IRS: Instructions (Columns A, B, C)

Get your 1095-A fast

If you didn’t receive it by mail

Get your 1095A fast what to say when you call

When you call, ask for your 1095A details over the phone so you can file now. If they mail a copy, it can take weeks.

Call the Marketplace

Source: HealthCare.gov: Contact us

What to say
  • “I need my Form 1095A details over the phone to file my taxes.”
  • “Please provide the policy number and Line 33 Columns A, B, C.”
  • (If needed) “Can you help me access and download the form from my account?”

Download steps: Find & download 1095A · Step by step PDF

Wrong or missing 1095-A

If something’s off

Wrong or missing 1095 A

Common fixes
  • No form by mid Feb? Call the Marketplace (numbers below) or download from your account.
  • Incorrect info? Watch for a Corrected or Voided 1095A and use the latest version when filing.
  • Multiple 1095A forms? That can happen if you changed plans or households; use the most recent form for each policy number.

Sources: IRS: Corrected/voided 1095A guidance · HealthCare.gov: Taxes & coverage

When you don’t need Form 1095-A

When you don’t

When you don’t need Form 1095A

No 1095-A is issued for these
  • Employer coverage (you may receive a 1095C) or Medicaid/Medicare/CHIP (you may receive a 1095B). Keep them for your records; they’re usually not filed with your return.
  • No Marketplace enrollment for anyone in your tax household.
  • No APTC received and you’re not claiming the Premium Tax Credit for the year.

Sources: HealthCare.gov: How to use 1095A · IRS: Minimum essential coverage

FAQs

Quick answers

FAQs

Do I file 1095A with my return?
  • No — you use it to complete Form 8962, then efile your return with Form 8962 included.
I didn’t get a subsidy do I still need 8962?
  • If no one in your household received APTC and you don’t want to claim the credit, you generally don’t file 8962. If you qualify for the credit and want to claim it, file 8962 using your 1095A.
Do 1095-B or 1095C affect my filing?
  • They’re informational only keep them for your records. The filing piece is 1095A + Form 8962.

Need help reconciling your 1095A?

We’ll import your forms, complete Form 8962, and double check for corrected 1095A issues before filing.

Start with Meta Tax

Note: Timing and thresholds can change each year. Always follow the latest instructions on IRS and HealthCare.gov pages linked above.