How to use Form 1095-A

 
If anyone in your household had a Marketplace plan in 2024, you should get Form 1095-A, Health Insurance Marketplace® Statement, by mail no later than mid-February. 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.
Don’t file your taxes until you have an accurate 1095-A.
 
  • Your 1095-A includes information about Marketplace plans anyone in your household had in 2023.
  • It comes from the Marketplace, not the IRS.
  • Keep your 1095-A forms with your important tax information, like W-2 forms and other records.

 

How to find your 1095-A online

  1. Log into your Marketplace account.
  2. Under “Your applications,” select your 2023 application — not your 2024 application.
  3. Select “Tax Forms.”
  4. Download all 1095-As.
 
Note: If you can’t find your 1095-A in your Marketplace account, contact High Impacto: 954-947-3603

 

What’s on Form 1095-A and why you need it

  • Your 1095-A has information about Marketplace plans any member of your household had in 2023, including:
    • Premiums paid
    • Premium tax credits used
    • A figure called “Second lowest cost Silver plan” (SLCSP)
       
  • You’ll use information from your 1095-A to fill out tax Form 8962, Premium Tax Credit (PDF, 110 KB). This is how you’ll “reconcile”— find out if there’s any difference between the premium tax credit you used and the amount you qualify for.
  • If you had Marketplace coverage but didn’t use the premium tax credit
     

Check that your 1095-A is correct

  • Carefully read the instructions on the back.
  • Make sure it’s correct. If anything about your coverage or household is wrong, contact the Marketplace Call Center.
  • Make sure the information about the “second lowest cost Silver Plan” (SLCSP) is correct.

 

How to know if your second lowest cost Silver plan information is correct

Look at Part III, column B of your 1095-A, titled “Monthly second lowest cost silver plan (SLCSP) premium.” It should show figures for each month any household member had the Marketplace plan.
The SLCSP premium is incorrect if:
  • Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan
  • You had changes in your household that you didn’t tell the Marketplace about — like having a baby, moving, getting married or divorced, or losing a dependent
If either applies to you, use our tax tool to get the premium for your second lowest cost Silver plan.

 

Use the information from your 1095-A to reconcile

Once you have an accurate 1095-A and second lowest cost Silver plan premium, you’re ready to fill out Form 8962, Premium Tax Credit.
 
 
 
 
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