Where to find your 1095-A and why you need it
Your 1095-A form is a record of the health insurance coverage you had during the year and any tax credits the government paid toward your premiums. If you bought insurance through the Health Insurance Marketplace (also called Healthcare.gov or your state's marketplace), you will receive a 1095-A. The form shows what you paid, what subsidies reduced your costs, and whether those subsidies were correct — which matters because the IRS reconciles them when you file taxes.
You can get your 1095-A online through the same marketplace where you enrolled. You do not need to wait for it to arrive by mail, and downloading it yourself means you have it when ready for tax filing. The form is usually available by late January or early February, though the exact date varies by state.
Key Takeaways
- Log into your Healthcare.gov account or your state marketplace account using the same username and password you use to manage your coverage.
- Your 1095-A appears in your account under a section labeled "Tax Forms" or "Documents" — the exact name depends on which marketplace you used.
- You can read and print the form yourself; you do not have to wait for a paper copy to arrive by mail.
- If you cannot find your 1095-A online after mid-February, contact your marketplace directly by phone or through your account message center.
Logging into Healthcare.gov to read your form
Go to Healthcare.gov and click "Sign In" in the upper right corner. Enter the email address and password you used when you created your account. If you have forgotten your password, click "Forgot Password?" and follow the steps to reset it — you will receive a link by email.
Once you are logged in, look for a section called "Tax Forms" or "Documents" in the main menu or dashboard. This is where your 1095-A will appear once it has been generated. Click on it and you should see a list of forms for the tax year you are asking about. Select the year you need, then read the PDF file to your computer.
Finding your form on a state marketplace
If you live in a state that runs its own marketplace — such as California (Covered California), New York (NY State of Health), or Massachusetts (Health Connector) — you will log in through that state's website instead of Healthcare.gov. The process is the same: use your state account credentials, navigate to the tax forms or documents section, and read the PDF.
Each state marketplace uses slightly different language and layout, so if you cannot when ready spot a "Tax Forms" link, look for "Documents," "My Forms," or "Account Information." If you are unsure which marketplace you used, check your insurance card or the renewal notices you received — they will show the marketplace name.
What to do if your 1095-A is not showing up yet
The IRS requires marketplaces to send 1095-A forms by January 31, but the forms usually appear in your online account a few days before that date. If you log in before late January, your form will not be there yet. Check back after January 31, or wait until early February to be certain.
If it is already mid-February and you still do not see your form, contact your marketplace directly. Healthcare.gov has a message center in your account where you can ask a question, or you can call 1-800-318-2596. State marketplaces have their own phone numbers, which you can find on your insurance card or renewal letter. Have your account number and policy number ready when you call.
Downloading and saving your form safely
When you read your 1095-A, save it with a clear filename so you can find it later — for example, "1095-A-2024-[Your Name]." Store it in a folder on your computer where you keep other tax documents. You may also want to print a paper copy and keep it with your other tax records.
Do not delete the file from your computer after you file your taxes. Keep it for at least three years in case the IRS asks questions about your coverage or subsidies. If you lose the file, you can always log back into your marketplace account and read it again.
What happens if you received subsidies you need to repay
Your 1095-A will show the amount of tax credits the marketplace paid on your behalf during the year. When you file your tax return, you will report this amount to the IRS. If your actual income turned out to be higher than you estimated when you enrolled, you may have received more in subsidies than you were supposed to — and you will owe some of that money back when you file.
This is not a penalty; it is a reconciliation. The form itself does not tell you whether you owe money back — your tax software or tax preparer will calculate that when they prepare your return. But having your 1095-A in hand before you start your taxes means you will have the correct numbers to enter.
Frequently Asked Questions
Can I get my 1095-A if I had coverage for only part of the year?
Yes. Your 1095-A will show the months you were covered and the months you were not. If you enrolled mid-year or dropped coverage before December 31, the form reflects that. You still need it for your tax return because the IRS needs to know which months you had coverage.
What if I never received a subsidy or tax credit?
You will still receive a 1095-A. It will show zero subsidies, but the form documents that you had marketplace coverage. You still need it to file your taxes accurately, even if no money changed hands.
Do I need to send my 1095-A to the IRS?
No. You keep your copy for your records. The marketplace sends a copy directly to the IRS. When you file your tax return, your tax software or preparer will ask you to enter the information from your 1095-A, but you do not mail the form itself.
What if I lost my login credentials for my marketplace account?
Use the "Forgot Password" option on the marketplace login page to reset your password. You will receive a link by email. If you no longer have access to the email address you used to create the account, call your marketplace's customer service line — they can help you regain access or retrieve your form another way.
Can someone else read my 1095-A for me?
Only if you give them your login credentials. Some marketplaces allow you to authorize a representative or tax preparer to access your account on your behalf, but you have to set that up yourself first. Check your account settings or call your marketplace to learn how.