In case, you or anyone in your family has decided to get insurance then you need to fill out Form 1095-A. You must get them to initiate the complete procedure of getting insurance. Form 1095-A is available at your Healthcare.gov account for all users.


What is Form 1095-A comprised of

Your 1095-A provided information about Marketplace plans anyone in your family has had including:

  1. Any paid Premiums
  2. Utilized Premium Tax Credits
  3. Your SLCSP (Second-lowest-cost silver plan)

You’ll use information from your 1095-A to fill out Form 8962, Premium Tax credit. This is often how you’ll “reconcile” — determine if there’s any difference between the premium tax credit you used and therefore the amount you qualify for and if you didn’t take any advance payments for your premium tax credit despite having Marketplace coverage.



Important Facts to Remember:

  1. Form 1095-A shall provide information about your family’s marketplace plans in 2020.
  2. It is important to keep this Form readily available and store it where you keep your tax information and other details.
  3. Keep in mind that the IRS does not provide Form 1095-A, you can get it from the marketplace.


How to find your 1095-A online

Your 1095-A is available in your HealthCare.gov account

  1. Below “Your Existing Applications,” go to our 2020 application.
  2. Choose “Tax Forms” from the left-hand side menu
  3. Save all the 1095-A files

In case you couldn’t find 1095-A in your account, you can reach out to the service center for any inquiries.


What to do if your information on Form 1095-A is wrong

It is very important to carefully analyze information filled out on your Form 1095-A in order to rule out any discrepancies.

Read the instructions at the back end carefully and make sure the information is accurate. If anything about your coverage or household is wrong, contact the Marketplace call center.  Also, it is very important to make sure that your SLCSP information is mentioned correctly.


How to know if your SLCSP information is correct

You can easily check your SLCSP information by following these steps:

You’ll notice Column B in Part 3 titled “Monthly SLCSP”. This would include facts and figures for all of your family members and their marketplace plans.


You’ll know that the SLCSP premium information is wrong if:

  1. There is a blank portion in Column B, Part III, or if it has a “0” during the months where your family members had the marketplace plan.
  2. If there were significant changes that weren’t communicated to the marketplace, i.e. getting divorced or married, losing a family member or having a baby, etc.


Use the knowledge from your 1095-A to “reconcile”

Once you’ve got an accurate 1095-A and your SLCSP premium, you’re able to fill out Form 8962 easily and reconcile your premium tax credit.