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Official form guide
Form 1095A: 1095-A
Form 1095‑A is the Health Insurance Marketplace Statement that reports the coverage you received through the ACA Exchange. You receive it each year if you bought a qualified health plan through the Marketplace.
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IRS Form 1095A - 1095-A
Form 1095‑A is the Health Insurance Marketplace Statement that reports the coverage you received through the ACA Exchange. You receive it each year if you bought a qualified health plan through the Marketplace.
Risk Radar
Scan points- 1A single typo can trigger an IRS audit and a large tax bill.
- 2Missing a mailed 1095‑A and using an estimate
- 3Transposing monthly premium amounts
- 4Leaving out advance credit payments
- 5Applying the wrong tax year
Plain English
If you got health insurance from the federal or state Marketplace, the Marketplace sends you this form. It lists the months you were covered and the premium tax credit you may claim on your tax return.
Submission Date
- Filing date: 2025-10-16 22:10:17
- Preparation window: collect IDs, supporting records, and signatures in advance.
- Final review: verify names, dates, and required fields before submission.
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What this form is for
- Use when you purchased coverage through the ACA Marketplace.
- Do not use for employer‑provided or private non‑Marketplace plans.
- If you received a 1095‑B or 1095‑C instead, consult those forms.
Form selector
Use this form or another form?
Employer‑sponsored coverage
Shows employer‑provided minimum essential coverage
✓ Verify employer’s contact info first
Government‑issued coverage (e.g., Medicare)
Indicates large employer coverage
✓ Confirm employer size before switching
Deadline or filing window
The Marketplace must send Form 1095‑A by January 31. You must have the correct data before filing your tax return, typically due April 15 (or the extension date you filed for). If you miss the deadline, you can request a replacement before filing.
- —Monthly premium | Sum of premiums for covered months | Total premium | Verify each month’s amount
- —Advance credit payments | Sum of APCP shown | Total APCP | Ensure no double‑counting
Checklist
What you need before filling it out
Policy number
Marketplace account statement · Form 1095‑A line 1
Coverage months
Calendar of enrollment · Form 1095‑A lines 2‑14
Monthly premium amount
Bank statements or credit card receipts · Form 1095‑A line 15
Advance credit payment
IRS notice of APCP · Form 1095‑A line 16
Before you submit
- 1Received Form 1095‑A by the deadline
- 2Checked policy number matches Marketplace record
- 3Verified each month of coverage
- 4Confirmed monthly premium totals
- 5Confirmed advance credit payment totals
- 6Entered numbers exactly on Form 8962
- 7Attached Form 8962 to Form 1040
- 8Signed and dated the tax return
- 9Kept a copy of Form 1095‑A with tax records
- 10Reviewed for arithmetic errors
- 11Ensured filing method (e‑file or paper) matches IRS guidelines
How to file this form
- 1Log into your Marketplace account to view the electronic 1095‑A.
- 2Print or download the PDF for reference.
- 3Open Form 8962 and copy each line from the 1095‑A.
- 4Calculate the premium tax credit using the IRS worksheet.
- 5Attach the completed Form 8962 to your Form 1040.
- 6E‑file or mail the return to the IRS address shown in the instructions.
- 7Save the 1095‑A and Form 8962 for at least three years.
Known limitations
- 1Form 1095‑A does not calculate the credit; you must use Form 8962.
- 2The form only covers Marketplace plans; other coverage types require different forms.
- 3If the Marketplace issues a corrected 1095‑A, you must redo Form 8962.
- 4The IRS does not accept handwritten changes on the original 1095‑A.
Field map
Compact field-by-field guide
Payer Info
1 items
Identifying information of the business or person making the payment.
Recipient Info
1 items
Identifying information of the person or entity receiving the payment.
Amounts
1 items
The payment amount subject to reporting for the applicable box category.
Withholding
1 items
Backup withholding amount if applicable.
Signatures
1 items
Name and phone number of the person to contact about this return.
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Fillable formOpen in Editor->Form 1095‑A is an informational statement; it is not submitted to the IRS. Its status is “received, reviewed, and used for Form 8962.”
What changed or needs a fresh check
- Edition date: 2023 (covers tax year 2023)
- Fee: No filing fee – it is a free statement
- Mailing address: Sent to enrollee’s address on record with the Marketplace
- Electronic delivery: May be accessed via your Marketplace account
- Paper copy: Retain for at least three years
Quick Facts
Downloads
After you file
- 1Store the original 1095‑A and the completed Form 8962 in a safe place.
- 2Monitor any IRS notices for adjustments to the premium tax credit.
- 3If you receive a corrected 1095‑A, file an amended return (Form 1040‑X).
- 4Keep a log of APCP payments made throughout the year for future reference.
- 5Review next year’s Marketplace enrollment before the open enrollment period.
Common confusion points
Confusion: 1095‑A vs
Source transparency
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