Alyssa Lane
If you are enrolled in a health plan through the Health Insurance Marketplace, you will receive Form 1095-A, Health Insurance Marketplace Statement. This form is essential for preparing your tax return if you received a premium subsidy or if you paid full price for coverage through the exchange and want to claim the premium subsidy on your tax return. If you are expecting to receive a Form 1095-A, you should wait to file your income tax return until you receive that form. However, if you are enrolled in Medicaid, you will receive a Form 1095-B, and you are not required to file a tax return solely because you received this form.
| Characteristics | Values |
|---|---|
| If you didn't get a tax form for Medicaid insurance | You may not need one, as most people in the US get their health insurance from an employer, Medicare, or Medicaid, and don't need Form 1095 when they file their federal tax return |
| What to do if you didn't receive a Form 1095-A | Contact the Marketplace from which you received coverage |
| What to do if you received an incorrect Form 1095-A | Contact the Marketplace Call Center |
| What to do if you didn't receive a Form 1095-B | You don't need to include Form 1095-B with your federal tax return, but keep it with your other tax documents |
| What to do if you didn't receive a Form 1095-C | You don't need to include Form 1095-C with your tax return, but you should not attach any of these forms to your tax return |
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What You'll Learn
Form 1095-A: Health Insurance Marketplace Statement
If you or anyone in your household had a Marketplace plan in 2024, you should receive Form 1095-A, Health Insurance Marketplace Statement, by mail no later than mid-February. It may be available in your Marketplace account from mid-January to February 1. Form 1095-A is sent by the Marketplace annually and includes information about Marketplace plans anyone in your household had in 2024. It does not come from the IRS.
Form 1095-A includes information about the coverage, who was covered, and when. Your 1095-A should include information for only the months you had a Marketplace plan. If you think the information is incorrect, contact the Marketplace Call Center. You may need to file an amended return using the information on your corrected 1095-A.
If you receive a Form 1095-A showing that advance payments of the premium tax credit were made for coverage for you or a family member, you must file an individual income tax return and submit a Form 8962 to reconcile those advance payments. You will use the information on Form 1095-A to fill out Form 8962, Premium Tax Credit. This is how you will reconcile the credit on your return with advance payments of the premium tax credit. If you did not qualify for a premium tax credit, you do not have to include Form 8962 when you file your taxes.
The "monthly enrollment premium" on Form 1095-A (Part III, Column A) may differ from the monthly premium you paid. This does not always mean that the amount is wrong. For example, your plan may have included benefits in addition to the essential health benefits required by the healthcare law, such as adult dental or vision benefits. In this case, the monthly enrollment premium on your Form 1095-A may only show the amount of your premium that applied to essential health benefits.
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Form 1095-B: Health Coverage
Form 1095-B, Health Coverage, is a tax form that serves as verification that you and your dependents meet the minimum health insurance requirements of the Affordable Care Act. It is used to report certain information to the IRS and to taxpayers about individuals who are covered by minimum essential coverage and are therefore not liable for the individual shared responsibility payment.
Form 1095-B is sent by health insurance providers (for example, health insurance companies) to individuals they cover, with information about who was covered and when. Since the 2015 tax year, health insurance providers and employers with fewer than 50 full-time employees have been required to send out Form 1095-B to individuals with health insurance coverage.
Form 1095-B identifies the person whose name is on the health insurance policy, the employer (if the coverage is employer-sponsored), the insurance company, and the people in the policyholder's household who are covered by the insurance. For each name listed, there is a box that will be checked if the person was covered by insurance for all 12 months of the year.
If you are enrolled in Medicaid, you will receive a Form 1095-B. However, you are not required to file a tax return solely because you received a Form 1095-B reflecting your Medicaid coverage. You should not include Form 1095-B with your federal tax return. Keep it with your other tax documents.
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Form 8962: Premium Tax Credit
If you had Marketplace coverage and used the premium tax credit to lower your monthly insurance payment (your "premium"), you must file Form 8962 with your federal income tax return. This form is used to determine whether you used the correct amount of premium tax credit during the year. You will need to compare the advance amount you used to the amount you qualify for based on your final income. If you used too much, you will have to repay the excess through taxes. If you used too little, you can claim the difference as a credit.
You will receive Form 1095-A, the Health Insurance Marketplace Statement, by mail no later than mid-February if anyone in your household had a Marketplace plan in the previous year. This form includes information about the coverage, who was covered, and when. It is important to carefully review the information on Form 1095-A and ensure its accuracy. If there are any discrepancies or incorrect information, you should contact the Marketplace Call Center.
It is recommended to wait for Form 1095-A before filing your income tax return. However, it is not necessary to wait for Form 1095-B or Form 1095-C, as these forms are not required to file your tax return. You should not attach any of these forms to your tax return, but they can assist in preparing your return and should be kept with your other important tax documents.
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Deadlines for receiving tax forms
If you are in the United States and are expecting to receive a Form 1095-A, you should wait to file your income tax return until you receive that form by mid-February. The annual deadline for the Marketplace to provide Form 1095-A is January 31. However, it is not necessary to wait for Forms 1095-B or 1095-C in order to file your taxes, as these forms are not required. If you are enrolled in Medicaid, you will receive a Form 1095-B, but you do not have to file a tax return solely because you received this form. You should have your Form 1095-B by mid-March.
If you are expecting a Form W-2, Form 1099, or Form 1040, you will likely receive them by early February. These forms include information about the income you received, which you will need when you file your individual income tax return.
If you are unable to file your taxes by the due date, you can request an automatic 6-month extension by filing Form 4868. If you are living outside the United States and Puerto Rico, or are in the military or naval service outside the United States and Puerto Rico, you may qualify for an automatic 2-month extension. In addition, US citizens or residents living outside the United States may be eligible for an automatic 2-month extension, with an additional 4-month extension available upon filing Form 4868.
If you are affected by a federally declared disaster, a significant fire, or a terroristic or military action, you may have up to one year after the original due date to file and pay your taxes.
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What to do if you didn't receive a tax form
If you didn't receive a tax form, the first step is to identify which form is missing. Common tax forms include Form W-2, Form 1099, Form 1095-A, Form 1095-B, and Form 1095-C. These forms provide information about your income and health care coverage, which is necessary for filing your tax return accurately.
Once you have identified the missing form, the next step is to determine the reason for its non-receipt. Here are some possible reasons:
- Mailing issues: The form may have been sent to the wrong address or lost in transit.
- Employer or payer delay: The issuing entity might not have provided the form by the deadline.
- Inaccurate information: If your details, such as name or address, changed and you didn't update the relevant parties, they might not have the correct information to send you the form.
After identifying the potential cause, you can take the following steps to obtain the missing tax form:
- Contact the issuing entity: Get in touch with your employer, payer, or issuing agency and request a copy of the missing form or a corrected document. They are required to provide this information to you.
- Check online portals: Many employers provide access to tax forms through employee portals. Check if your company offers this service and log in to access your form.
- Contact the IRS: If you have made reasonable efforts to obtain the form but have been unsuccessful, you can contact the IRS for assistance. They will guide you through the process and may be able to request the missing form on your behalf.
It is important to remember that even if you are missing a tax form, you should still file your tax return by the deadline. You can use other sources of information, such as your income records, to prepare and file your taxes. Additionally, you may need to complete and attach Form 4852 or Form 1099-R to estimate your wages and earnings if the missing form affects your income tax return.
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Frequently asked questions
If you didn't receive a Form 1095-B for your Medicaid insurance, you don't need to worry as you are not required to file a tax return solely because of this form.
No, most people in the United States don't need any version of Form 1095 to file their tax return as they get their health insurance from an employer, Medicare, or Medicaid.
Form 1095-B is a health coverage form sent by health insurance providers to individuals they cover, with information about who was covered and when.
If your Form 1095-B is incorrect, you should contact the relevant health insurance company or state Medicaid agency to request a corrected form.
