What is Form 1095-A and What Do I Do With It?

What to do with Form 1095-A

This year, you may receive one or more forms that provide information about your 2015 health coverage, such as forms 1095-A, 1095-B and 1095-C. Form 1095-A, Health Insurance Marketplace Statement, provides you with information about your health care coverage if you or someone in your family enrolled in coverage through the Health Insurance Marketplace.

 

Will I get a Form 1095-A?1095-a

  • The Marketplace will send you a Form 1095-A if you, your spouse or a dependent enrolled in coverage for 2015. Most individuals did not enroll in Marketplace coverage and will not receive this form.
  • The Marketplace may send you more than one Form 1095-A if any of these apply:
    • Members of your household were not all enrolled in the same health plan
    • You updated your family information during the year
    • You switched plans during the year
    • You had family members enrolled in different states
  • The Form 1095-A is not new, but some people may receive it for the first time this year
How do I use the information on my Form 1095-A (aside from giving it to my accountant)?
  • This form provides information about your Marketplace coverage, including the names of covered individuals and which months they were covered last year
  • If Form 1095-A, Part II shows coverage for you and everyone in your family for the entire year, you can simply check the full-year coverage box on your tax return to satisfy the individual shared responsibility provision
  • If there were months that you did not have coverage, you should determine if you qualify for an exemption from the requirement to have coverage. If not, you must make an individual shared responsibility payment
  • You do not need to send Form 1095-A in with your tax return, but you should keep it for your records
What if I don’t get my Form 1095-A?
  • If you are expecting to receive a Form 1095-A, you should wait to file your 2015 income tax return until you receive this form. Filing before you receive this form may delay your refund
  • The IRS does not issue and cannot provide you with your Form 1095-A. If you are expecting a form and do not get one, you should contact your Marketplace. Visit your Marketplace’s website to find out the steps you need to follow to get a copy of your Form 1095-A online