How to Obtain Your 1095‑A Form: A Step‑by‑Step Guide

What Is the 1095‑A Form?

The 1095‑A is the Health Insurance Marketplace Statement that the federal government sends to anyone who purchased coverage through the Affordable Care Act (ACA) Marketplace. You need this form to complete Form 8962 and claim the Premium Tax Credit on your federal tax return.

Why You Might Need to Request It

If you didn’t receive your 1095‑A by mid‑February, or if the information on the form is incorrect, you’ll have to obtain a replacement. Missing or inaccurate data can delay your tax filing and may affect the amount of credit you receive.

Step 1: Check Your Mail and Email

First, verify that the form wasn’t simply misplaced. The Marketplace typically mails the 1095‑A to the address on file and also provides an electronic copy via your Marketplace account. Search your inbox for “1095‑A” or check your spam folder.

Step 2: Log Into Your Marketplace Account

1. Visit healthcare.gov (or your state’s Marketplace site).
2. Sign in using your username and password.
3. Navigate to the “Tax Forms” or “Documents” section.
4. Download the PDF version of your 1095‑A.

Step 3: Request a Replacement Through the Marketplace

If you cannot locate the form online, contact the Marketplace directly:

• Phone: Call the Marketplace Call Center (1‑800‑318‑2594) and ask for a replacement 1095‑A.
• Online Chat: Use the secure chat feature on the website for a quick request.
• Email: Send a secure message through your account’s “Contact Us” portal.

Provide your full name, date of birth, and enrollment ID to verify your identity.

Step 4: Request the Form from the IRS (If Needed)

In rare cases, the Marketplace may be unable to supply the form. You can then request a copy from the Internal Revenue Service:

1. Complete Form 4506‑T (Request for Transcript of Tax Return).
2. Check the box for “Form 1095‑A” and mail the form to the address listed on the instructions.
3. Allow 30 days for processing.

Step 5: Verify the Information

Once you receive the form, compare the details (monthly premiums, advance credit payments, and coverage months) with your own records. If you spot errors, submit an amendment through the Marketplace or the IRS, depending on where the mistake originated.

Final Tips for a Smooth Process

Keep all related documents together—including policy statements, payment receipts, and the 1095‑A itself. This organization will simplify filing your tax return and help you respond quickly if the IRS requests additional proof.

By following these steps, you can quickly secure a correct 1095‑A form and ensure your tax filing proceeds without unnecessary delays.

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