Taxes and Form 1095-A

Health Insurance Marketplaces use Form 1095-A to report information on enrollments in a qualified health plan in the individual market through the Marketplace.

Your 1095-A tax form

If anyone in your household enrolled in a HealthCare.gov marketplace health plan this year and received Advanced Premium Tax Credits (APTCs) to help lower your monthly premium payments, you are required by federal law to “reconcile” when filing your federal tax return. Reconcile means to find out if there's any difference between the Premium Tax Credit you used and the amount you qualify for. HealthCare.gov will mail or send you a Form 1095-A to complete this process by mid February. If you do not reconcile your taxes, you will be ineligible to receive future APTCs.

How to find your 1095-A online

Log in to your HealthCare.gov Marketplace account.
Under Your applications, select your 2025 application.
Select Tax Forms.
Download all 1095-As.

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 2025, 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. This is how you'll reconcile. Overpayments of APTC will need to be repaid. Read instructions to fill out Form 8962.

Note: If you receive a voided/corrected 1095-A and have already filed your taxes, you may need to file an amended return. Consult a tax professional for assistance.