Where to find your 1095-A form online
Your 1095-A form is mailed to you by your health insurance company or the marketplace where you bought your plan, but you can also retrieve it online through your account on Healthcare.gov or your state's health insurance marketplace. Log in with the same username and password you used to enroll, then look for a section labeled "Documents," "Tax Forms," or "1095-A" — the exact wording depends on which marketplace you used. The form is usually available by late January or early February each year.
If you bought coverage through Healthcare.gov (the federal marketplace), go to Healthcare.gov, select "Log In," and enter your account credentials. Once logged in, navigate to your account dashboard and look for a link to read or view your tax documents. If you enrolled through a state-run marketplace like Covered California, New York State of Health, or Massachusetts Health Connector, log into that state's website instead using the same login information you created during enrollment.
Some people receive their 1095-A by mail instead of downloading it online. If you haven't received a paper copy by mid-February and you cannot find it in your online account, contact your insurance company or marketplace directly — they can resend it or confirm whether it was already mailed to the address on file.
Key Takeaways
- Your 1095-A is available in your Healthcare.gov or state marketplace account under a section for documents or tax forms, usually by late January.
- The 1095-A shows your monthly premium, the tax credit you received, and the actual cost of your plan — information you need to file your taxes accurately.
- If the form shows incorrect information, contact your insurance company or marketplace to request a corrected version before you file taxes.
- You must report the information from your 1095-A on your federal tax return, even if you did not receive a tax credit.
What information is on the 1095-A and why it matters
The 1095-A has six main parts. The first section identifies you and your household members who had coverage. The second shows which months each person was covered. The third lists the monthly premium (the amount you pay for the plan), and the fourth shows the advance premium tax credit — the amount the government paid directly to your insurance company on your behalf each month.
The fifth section displays the benchmark plan amount, which is the cost of the second-lowest-cost silver plan in your area. This number is used to calculate whether you owe money back to the government or receive an additional refund when you file taxes. The sixth section shows any out-of-pocket costs you paid directly to the insurance company.
When you file your federal tax return, you report the information from your 1095-A to reconcile your tax credit. This means comparing what the government paid on your behalf during the year to what you were actually supposed to receive based on your final income. If your income changed during the year or you underestimated it when you enrolled, you may owe money back or receive a refund.
Steps to read your 1095-A from Healthcare.gov
Go to Healthcare.gov and click "Log In" in the upper right corner. Enter your email address and password. If you have two-factor authentication enabled, you will receive a code by text or email — enter that code to complete login.
Once you are logged in, look for your name and account information at the top of the page. Below that, you should see a menu with options like "My Applications," "Coverage," or "Documents." Click on the section labeled "Tax Documents," "1095-A," or "Forms" — the exact label varies. Select the year you need (2024 for the 2024 tax year, which you file in 2025). Click "read" or "View" to see your form on screen, or print it directly from your browser.
If you cannot find the documents section, try scrolling down on your account dashboard or looking for a link that says "Get your tax form." If you still cannot locate it after checking multiple sections, contact the Healthcare.gov customer service line at 1-800-318-2596. They can tell you whether your form has been generated and help you navigate to it.
How to get your 1095-A from a state marketplace
Each state marketplace has its own website and login system. Common state marketplaces include Covered California, New York State of Health, Massachusetts Health Connector, Connecticut Health Insurance Marketplace, and Washington Health Benefit Exchange. Go to your state's marketplace website and log in with your username and password.
Once logged in, look for a section called "My Account," "Documents," "Tax Forms," or "1095-A." Click into that section and select the tax year you need. read or print the form. If your state marketplace does not have an online option to view your 1095-A, contact the marketplace directly — they can mail it to you or provide instructions for retrieving it by phone.
If you are unsure which marketplace you used, check your email for confirmation messages from when you enrolled. These messages typically come from Healthcare.gov or your state's marketplace and include the website name. You can also call 1-800-318-2596 and tell the representative your state; they can direct you to the correct marketplace.
What to do if your 1095-A has errors
Review your 1095-A carefully as soon as you read it. Check that your name and Social Security number are correct, that the months of coverage match your actual enrollment dates, and that the premium and tax credit amounts match what you remember paying and receiving.
If you find an error, contact your insurance company or marketplace when ready — do not wait until tax time. Explain which information is wrong and provide documentation if you have it (such as a confirmation email showing the correct premium or a record of a plan change). Ask them to issue a corrected form, sometimes called an amended 1095-A. They will send you a new version, and you should file your taxes using the corrected form.
Common errors include incorrect coverage dates (if you enrolled late or ended coverage early), wrong premium amounts (if your plan changed during the year), or incorrect tax credit amounts (if your income changed and you updated your process). The marketplace or insurance company can usually correct these within one to two weeks if you provide clear documentation of the error.
Using your 1095-A to file your taxes
When you file your federal tax return, you will need the information from your 1095-A. If you use tax software like TurboTax, H&R Block, or TaxAct, the software will ask you questions about your health insurance coverage. You will enter the information from your 1095-A, including the months you were covered, the monthly premium amounts, and the total advance premium tax credit you received.
The tax software will then calculate whether you owe money back to the government or receive an additional refund. This calculation compares the tax credit you actually received to the tax credit you were supposed to receive based on your final income for the year. If your income was lower than you estimated when you enrolled, you may receive a larger refund. If your income was higher, you may owe money back.
If you use a tax professional or file by mail, give them a copy of your 1095-A. They will use it to complete the appropriate tax forms (Form 8962, Premium Tax Credit, is the main form used to reconcile your credit). Keep a copy of your 1095-A for your records for at least three years.
What happens if you do not receive your 1095-A
If it is mid-February and you have not received your 1095-A by mail or found it in your online account, contact your insurance company or marketplace. Have your policy number and date of birth ready. Ask them to confirm that your form was mailed and to which address, or ask them to resend it electronically or by mail.
If your insurance company or marketplace cannot locate your form or says it was already sent, you can file your taxes without it temporarily and request a copy later. However, you will still need the information from the form to complete your tax return accurately. Some tax software allows you to enter the information manually if you have a record of your monthly premiums and tax credits from your insurance statements or marketplace account.
If you still cannot obtain your 1095-A after contacting your insurance company and marketplace, contact the IRS at 1-800-829-1040. They can provide guidance on how to proceed with filing your taxes and may be able to help you obtain the information you need.
Frequently Asked Questions
Do I need my 1095-A if I did not receive a tax credit?
Yes. Even if you paid the full premium yourself and received no tax credit, you must report your coverage on your tax return. The 1095-A documents that you had coverage for the months you were enrolled, which affects your tax filing status and may impact certain tax credits or penalties.
Can I file my taxes before I receive my 1095-A?
You can file early if you have the information from your 1095-A available in your online marketplace account, but the IRS recommends waiting until you have the official form in hand. If you file before receiving it and the information is incorrect, you may need to file an amended return.
What if my income changed during the year and my tax credit was wrong?
Report your actual final income on your tax return. The tax software or tax professional will calculate the correct tax credit based on your final income and compare it to what you received. If you received too much credit, you will owe money back; if you received too little, you will get a refund.
Is the 1095-A the same as a health insurance card?
No. Your health insurance card is what you use to access medical care. The 1095-A is a tax document that shows your coverage and the cost of your plan for the year. You need both, but they serve different purposes.
Can I get my 1095-A if I no longer have coverage?
Yes. The 1095-A documents the coverage you had during the year, regardless of whether you are still enrolled. Log into your marketplace account or contact your former insurance company to request it.