The short answer
Form 1095-A is a tax form the Marketplace sends to people who had a subsidized (or any) Marketplace plan during the year. It reports your coverage months, your plan's premiums, and any advance premium tax credit you received. You use it to reconcile your subsidy on your tax return — so it's an important form you shouldn't file taxes without if you had Marketplace coverage.
Think of it as the receipt for your Marketplace subsidy, needed to settle up at tax time.
What it reports and where to find it
The 1095-A lists each month you had coverage, the monthly premium, the premium of the benchmark plan used to calculate your credit, and the advance credit paid on your behalf. You typically find it in your Marketplace online account in early tax season, and a copy is usually mailed. If you don't see it, log in to your account or contact the Marketplace.
These figures feed directly into the tax step, so accuracy matters. Our guide to reconciling subsidies with Form 8962 explains the next step.
How to use it
At tax time, you use the numbers from your 1095-A to complete Form 8962, which reconciles the subsidy you received against what your final income entitled you to. If you got too much advance credit, you may repay some; too little, and you get more back. Don't ignore the form, and don't file before you have it if you had Marketplace coverage.
The bottom line: keep your 1095-A, and use it to reconcile your subsidy correctly. Our ACA overview explains how Marketplace coverage works.
Frequently Asked Questions
What is Form 1095-A?
A tax form the Marketplace sends to people who had a Marketplace plan. It reports your coverage months, premiums, and any advance premium tax credit, and you use it to reconcile your subsidy.
Where do I get my 1095-A?
In your Marketplace online account in early tax season, with a copy usually mailed. If you don't see it, log in or contact the Marketplace.
What do I do with Form 1095-A?
Use its figures to complete Form 8962, reconciling the subsidy you received against your final income. Don't file taxes without it if you had Marketplace coverage.
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