Form 1095-A

If you or someone listed on your tax return, had health insurance through the Marketplace any time during the tax year, even 1 month. You should have received Form 1095-A from the marketplace by mail. It may be available in your Marketplace account anytime from mid-January to February 1.

Notice:

You must have your Form 1095-A before you file.

Your 1095-A includes information about Marketplace plans anyone in your household had in 2024.

IRS will not accept the tax return without the form 1095-A

It comes from the Marketplace, not the IRS.

How to find your 1095-A online

Log into your Marketplace account.

Under "Your applications," select your 2024 application — not your 2025 application.

Select “Tax Forms."

Download all 1095-As.

Get screen-by-screen directions, with pictures (PDF, 499 KB).

Note: If you can't find your 1095-A in your Marketplace account, contact the Marketplace Call Center at 1-800-318-2596 (24hrs a day)

Sample Form Below

The Advance Premium Tax Credit (APTC) is a subsidy that helps lower the cost of health insurance for individuals and families who purchase coverage through the Health Insurance Marketplace (Exchange). It is based on your estimated annual income and is applied in advance to reduce your monthly insurance premiums.

How It Works:

1. Eligibility – You qualify for the APTC if:

Your household income is between 100% and 400% of the Federal Poverty Level (FPL).

You do not qualify for affordable employer-sponsored insurance, Medicaid, or Medicare.

You enroll in a Marketplace plan.

2. Advance Payments – The government pays the credit directly to your insurance provider each month to lower your premium. The amount is based on your estimated income when you apply for coverage.

3. Year-End Reconciliation (Form 8962) – When you file your tax return, you must reconcile the APTC with the actual premium tax credit you qualify for:

If you overestimated your income, you might get a refund for any additional credit owed.

If you underestimated your income and received too much APTC, you may have to repay some or all of it.

4. Reporting Requirement – If you received APTC, you must file Form 8962 with your tax return using Form 1095-A (sent by the Marketplace) to confirm the correct subsidy amount.

If you didn’t take the advance credit but qualify for the Premium Tax Credit, you can claim it as a lump sum when filing your taxes.