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Form 1095-A is the Health Insurance Marketplace Statement.
It is provided by the Marketplace to summarize your coverage for the previous year.
Why Do I Need It?
You use this form to "reconcile" your taxes.
This means comparing the amount of tax credit you used each month to lower your premiums against what you actually qualify for based on your final income.
Key Filing Facts:
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Mandatory Filing: You must include this information (via IRS Form 8962) when filing your federal taxes. Filing without it will cause the IRS to reject your return.
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Full-Pay Clients: You will receive this form even if you did not receive a subsidy. The IRS uses it to verify you had "Minimum Essential Coverage."
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Where to Find It: Forms are mailed by January 31st. You can also download a copy by logging into your Marketplace account and checking the Message Center
- Privacy Policy: Form 1095-A contains sensitive Personally Identifiable Information (PII).
To protect your identity and comply with federal privacy regulations, our we cannot send this document to you securely by email.
Important: While we are your enrollment experts, we are not tax professionals.
We strongly recommend providing this form to a tax specialist to ensure you maximize your deductions and avoid IRS penalties.