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Form 1095A: Health Insurance Marketplace Statement
IRS Form 1095-A is used to report information about individuals enrolled in a qualified health plan through the Health Insurance Marketplace. Marketplaces must file this form by January 31, 2026, for coverage in calendar year 2025.
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IRS Form 1095A - Health Insurance Marketplace Statement
IRS Form 1095-A is used to report information about individuals enrolled in a qualified health plan through the Health Insurance Marketplace. Marketplaces must file this form by January 31, 2026, for coverage in calendar year 2025.
Risk Radar
Scan points- 1Ensure a separate Form 1095-A is furnished for every single policy; do not combine unrelated policies onto one form.
- 2Failing to furnish a separate Form 1095-A for each individual policy held.
- 3Omitting information for individuals enrolled in the same policy but not part of the tax filer's family (if advance credit payments were made).
- 4Not entering the correct Policy Start Date on line 10, especially if it is not 1/1/2025.
- 5Incorrectly calculating and failing to total the monthly enrollment premiums in Part III (lines 21-32).
Plain English
This form tells the IRS which healthcare plans an individual signed up for through the Health Insurance Marketplace. It helps recipients claim their premium tax credit and ensures their taxes are calculated accurately based on their health plan payments. A separate statement must be furnished for each policy listed.
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 this form when reporting certain enrollment details about individuals who enrolled in a qualified health plan through the Health Insurance Marketplace.
- Do not use this form when reporting coverage for a catastrophic health plan or a separate dental policy (stand-alone dental plan).
- Check Form 1095-A instead when furnishing statements to recipients, as Marketplaces must file it using this specific number.
Form selector
Use this form or another form?
Reporting coverage for a stand-alone dental plan
The instructions differentiate between general enrollment and separate dental policies.
✓ Check Form 1095-A
Not stated in the official source
Filing an electronic statement submission
This is the required method for submitting information electronically to the IRS.
✓ Check Form 1095-A
Reporting advance credit payments allocated per policy
If multiple policies are filed for one tax filer's family in the same month, only report the amount specific to this Form 1095-A.
✓ Check Form 1095-A
Deadline or filing window
The filing deadline requires the annual report to be submitted and statements provided to individuals on or before January 31, 2026. This applies specifically to coverage that was in effect during calendar year 2025. If this due date falls on a Saturday, Sunday, or legal holiday, the statement must be furnished by the next business day.
Checklist
What you need before filling it out
Form Purpose
Report certain information about individuals enrolling in a qualified health plan through the Health Insurance Marketplace · General Instructions (p.1)
Filer Obligation
Health Insurance Marketplaces must file Form 1095-A to report all enrollments in the individual market through the Marketplace · Who Must File (p.1)
Deadline
On or before January 31, 2026 (for CY 2025 coverage) · When To File (p.1)
Furnishing Method
Paper by mail OR electronically (with recipient consent) · How To File (p.1)
SLCSP Premium Reporting
Report $0 if monthly premiums are not fully paid, unless an order prohibits termination during a declared emergency · Instructions p.3
Before you submit
- 1Ensure each policy has its own separate Form 1095-A furnished.
- 2Verify that Part I contains the Marketplace identifier and assigned policy number.
- 3Confirm Recipient’s SSN (Field 5) and Date of Birth (Field 6) are accurate in Part I.
- 4Check if advance credit payments for the month were correctly allocated to this specific Form 1095-A (Column C, Part II).
- 5Verify Policy termination date (Field 11) is correct, especially when prorating coverage.
- 6If mailing paper statements, confirm they are sent to the recipient’s last known permanent address.
- 7If filing electronically, ensure submission is made through the Department of Health and Human Services Data Services Hub.
How to file this form
- 1Complete Part I with the Marketplace identifier, policy numbers, and all recipient details (Fields 1-15).
- 2Complete Part II by listing each covered individual using their name, SSN, and date of birth.
- 3Enter coverage dates (Column D) and ensure Column C reflects the correct advance credit payment amount for that month.
- 4Submit the completed Form 1095-A electronically through the Department of Health and Human Services Data Services Hub by January 31, 2026, for CY 2025 coverage.
Known limitations
- 1A Form 1095-A should not be filed for a catastrophic health plan.
- 2Do not file a Form 1095-A specifically for a separate dental policy (referred to as a stand-alone dental plan in the instructions).
- 3If an individual terminates coverage before the last day of a month, refunded premiums are not included in that month's reported amount.
- 4When calculating monthly premium amounts, if all covered individuals enroll after the first of the month and no coverage is effective on their birth/adoption date or court order date, enter -0- in column B for that month.
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->The current edition is 20/25, and users should reference IRS.gov/Form1095A for the latest information regarding Form 1095-A.
What changed or needs a fresh check
- Edition date — confirm the revision reads 20/25.
- Mailing address — Not stated in the official source (but must be used for furnishing to recipients).
- Electronic submission method — confirm submission is through the Department of Health and Human Services Data Services Hub.
- Statement Furnishing Date — confirm statements are furnished on or before January 31, 2026, for CY 2025 coverage.
Quick Facts
Downloads
After you file
- 1Keep a copy of the filed Form 1095-A for personal records.
- 2Do not attach the Form 1095-A to your tax return (though it is used to prepare it).
- 3Use IRS.gov/Form1095A for instructions and the latest information regarding the form.
- 4If an error occurs, refer to the instructions for Form 1095-A (2025) or visit IRS.gov/Form1095A for guidance.
Sources
- SRCInstructions p.1 — The purpose of Form 1095-A is to report information about individuals enrolled in a qualified health plan through the Health Insurance Marketplace.
- SRCInstructions p.1 — Marketplaces must file Form 1095-A and furnish statements on or before January 31, 2026, for coverage in calendar year 2025.
- SRCForm p.2 — The form does not need to be attached to the tax return; it should be kept for records.
- SRCInstructions p.2 — Column B of Form 1095-A reports the monthly premium for the second lowest cost silver plan (SLCSP) used as a benchmark.
- SRCInstructions p.3 — The estimated time to prepare the form is 3 minutes.
- SRCForm p.3 — Part II, Column C of Form 1095-A reports the monthly amount of advance credit payments made on behalf of the coverage.
Common confusion points
What do I enter in Column B if some individuals enrolled later in the month?
The source requires entering -0- in column B for that month under specific conditions, rather than a premium amount.
→ Check Part II, Section B instructions on Form 1095-A.
When should I use the SLCSP premium in Column B if multiple policies are filed for one family?
Enter the SLCSP premium that applies to all family members enrolled in any policy on the first of the month who were not eligible for other health coverage that month.
→ Review Instructions p.2 regarding multiple Form 1095-A filings.
How do I handle months where premiums weren't fully paid?
Enter a -0- for that specific month in the relevant columns (implied).
→ Consult General Instructions on Form 1095-A.
What is Column C used for?
It reports the monthly amount of advance credit payments made to your insurance company to cover all or part of your premiums.
→ Refer to Part II, Section C instructions on Form 1095-A.
When filing, do I need to attach this form to my tax return?
No, the source states not to attach it to the tax return itself.
→ Check the notice section on Form 1095-A (Page 2).
What is the difference between a Marketplace policy and a stand-alone dental plan?
A stand-alone dental plan does not require filing a Form 1095-A, whereas a Marketplace policy does.
→ See Instructions p.1 under 'Who Must File'.
Workflow map
Related forms and next steps
Before
Current
After
Often used with
⚠ If something goes wrong
- IRS Form 8962 (Part II) — This form contains instructions for using or completing Form 1095-A if data is missing, incorrect, or reported as -0-.
Questions about IRS Form 1095A
What is IRS Form 1095A used for?
This form tells the IRS which healthcare plans an individual signed up for through the Health Insurance Marketplace. It helps recipients claim their premium tax credit and ensures their taxes are calculated accurately based on their health plan payments. A separate statement must be furnished for each policy listed.
Who must file IRS Form 1095A?
Health Insurance Marketplaces must file Form 1095-A to report information on all enrollments in qualified health plans within the individual market through the Marketplace.
What information does IRS Form 1095A require?
Part I collects recipient details, such as names and SSNs. Part II lists each covered individual with their birth date and coverage dates, while Part III details the monthly enrollment premiums for the policy.
When is IRS Form 1095A due?
The annual report must be filed with the IRS and furnished to individuals on or before January 31, 2026, specifically for coverage received during calendar year 2025.
Where do I file IRS Form 1095A?
Marketplaces must submit Form 1095-A information electronically through the Department of Health and Human Services Data Services Hub. If mailing is required, it must be properly addressed to reach the IRS by the due date.
How do I complete IRS Form 1095A?
First, complete Part I with recipient information. Next, populate Part II for each covered person, ensuring one Form 1095-A is used per policy. Finally, fill out Part III monthly details and total them on line 33 before submitting.
What happens if IRS Form 1095A is filed incorrectly?
Failure to furnish a statement to an individual by the due date means the requirement to furnish the statement will not be met, which can affect tax filing accuracy.
What do I enter in Column B if some individuals enrolled later in the month?
The source requires entering -0- in column B for that month under specific conditions, rather than a premium amount. Check Part II, Section B instructions on Form 1095-A.
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