How to use Form 1095-A

If anyone in your household had a Marketplace plan in 2023, you should get Form 1095-A, Health Insurance Marketplace ® Statement, by mail no later than mid-February. It may be available in your Marketplace account anytime from mid-January to February 1.

You must have your Form 1095-A before you file.
Don't file your taxes until you have an accurate 1095-A.

• Your 1095-A includes information about Marketplace plans anyone in your household had in 2023.
• It comes from the Marketplace, not the IRS.
• Keep your 1095-A forms with your important tax information, like W-2 forms and other records.

How to find your 1095-A online

1. Log into your Marketplace account.
2. Under "Your applications," select your 2023 application — not your 2024 application.
3. Select “Tax Forms."
4. Download all 1095-As.

Note: If you can't find your 1095-A in your Marketplace account, contact the Marketplace Call Center.

What’s on Form 1095-A and why you need it

• Your 1095-A has information about Marketplace plans any member of your household had in 2023, including:
  • Premiums paid
  • Premium tax credits used
  • A figure called
  “second lowest cost Silver plan” (SLCSP)

  The second-lowest priced Marketplace health insurance plan in the Silver category that applies to you. It may not be the plan you enrolled in. You need to know your second lowest cost Silver plan (SLCSP) premium to figure out your final premium tax credit. In most cases, you’ll find your SLCSP premium on Form 1095-A. Refer to glossary for more details.

  How you find out if you used the right amount of premium tax credit during the year. To reconcile, you compare two amounts: the premium tax credit you used in advance during the year; and the amount of tax credit you qualify for based on your final income. You’ll use IRS Form 8962 to do this. If you used more premium tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you’ll get the difference as a credit. Refer to glossary for more details.

  premium tax credit

  A tax credit you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace®. Your tax credit is based on the income estimate and household information you put on your Marketplace application. Refer to glossary for more details.

  Check that your 1095-A is correct

  • Carefully read the instructions on the back.
  • Make sure it’s correct. If anything about your coverage or household is wrong, contact the Marketplace Call Center.
  • Make sure the information about the “second lowest cost Silver Plan” (SLCSP) is correct.
  I think my "monthly enrollment premium" is wrong.

  How to know if your second lowest cost Silver plan information is correct

  Look at Part III, column B of your 1095-A, titled “Monthly second lowest cost silver plan (SLCSP) premium.” It should show figures 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 either applies to you, use our tax tool to get the premium for your second lowest cost Silver plan.

  Use the information from your 1095-A to reconcile

  Once you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.

  More Answers: Form 1095-A

  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 paid full price for a Marketplace plan?

  You’ll get a 1095-A too. Part III, Column C should be blank or have the number “0.”

  If you want to check if you qualify for a premium tax credit based on your final income, complete Form 8962. If you don't qualify for a premium tax credit, you don't have to include Form 8962 when you file your taxes.

  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.