Getting to Know Form 1095-A

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If you enrolled in a Qualified Health Plan (QHP) through the public Health Insurance Marketplace last year, you may have recently received a new document from the Internal Revenue Service (IRS) called Form 1095-A. Form 1095-A is a tax form that is sent by the Marketplace to allow consumers to complete Form 8962, which they will use to calculate their premium tax credit and reconcile it with any advance payments of the premium tax credit they may have received.

If the members of a household were covered under different Marketplace QHPs during 2014, or if they made changes to their household, they will receive multiple Forms 1095-A. This is similar to the well-known Form W-2, in that individuals with multiple jobs will receive multiple copies of that tax form.

Form 1095-A contains a variety of information, including:

  • Who in the household enrolled in a health plan through the public Health Insurance Marketplace for 2014
  • How much the consumer paid in premiums to their health insurance company
  • How much of the consumers’ tax credit was paid in advance by the Marketplace to the consumer’s health insurance company to lower their monthly payments
  • The cost of a “benchmark” premium, which is used to set the amount of the consumer’s tax credit

In addition to mailing a copy of Form 1095-A to a policyholder’s last known address, the Marketplace will also upload a copy of the form to the consumer’s healthcare.gov account if they enrolled online. The Marketplace also reports the information on Form 1095-A to the IRS.

Individuals who enrolled through the federal Marketplace at healthcare.gov will receive their Form 1095-A from the federal Marketplace. Individuals who enrolled through a state-run marketplace will receive their 1095-A Forms from their state Marketplace instead. Regardless of who is sending them, all Forms 1095-A will be postmarked by February 2, 2015.

Most individuals who have questions about Form 1095-A or need to make corrections to non-demographic information should call the Marketplace Call Center at 1-800-318-2596. Individuals who enrolled through state-run Marketplaces should direct their questions to their state’s own Marketplace.

To view a copy of Form 1095A, visit the IRS website.

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