where to get 1095-a form

You get Form 1095-A directly from the Health Insurance Marketplace where you bought your plan, not from your insurance company or employer.

Quick Scoop

Form 1095-A is the “Health Insurance Marketplace Statement” you need for your tax return if you (or a family member) had coverage through Healthcare.gov or a state Marketplace. In most years it shows up in January and is often fully available by early–mid February, so it’s something people are looking for right around tax time.

1. Where to get Form 1095-A

You can usually get your 1095-A in two ways:

• By mail:
  • The Marketplace (Healthcare.gov or your state exchange) mails a paper copy to the mailing address in your account.

• Online (fastest and most reliable):
  • Log in to your Marketplace account (Healthcare.gov or your state’s health insurance exchange site).

* Choose the application for the tax year you’re filing (for example, select your 2025 application if you need your 2025 Form 1095-A).

* Look for a section labeled “Tax Forms,” “1095-A,” “Notifications,” or similar.

* Download the PDF of Form 1095-A.

If you enrolled through Healthcare.gov (used by many states), you sign in at HealthCare.gov, open your application for that year, click “Tax Forms,” then download Form 1095-A. If your state runs its own Marketplace (like California, New York, Minnesota, etc.), you do the same steps on that state’s site.

2. What to do if you don’t see it

If you think you should get a 1095-A but don’t see it:

• Double‑check that:
  • You actually had a Marketplace plan (not employer coverage, Medicare, etc.).

* You’re looking at the correct year’s application in your account.

• Then:
  • Check your Marketplace account “Messages,” “Notifications,” or “Documents” section; some state sites put the 1095-A there as an attachment.

* If it’s still missing or looks wrong (name, SSN, months covered, or dollar amounts), contact the Marketplace’s customer service and ask them to issue or correct your 1095-A.

Many tax help sites note that if you’re supposed to receive a 1095-A, you should wait for it before filing, because filing without it can cause IRS rejects or processing delays.

3. Why 1095-A matters at tax time

Form 1095-A lists what you paid for Marketplace coverage, the benchmark plan amount, and any advance premium tax credits sent to your insurer during the year. You use it to complete IRS Form 8962 (Premium Tax Credit) so the IRS can reconcile your advance credit with the amount you actually qualify for based on your final income.

If your income ended up higher than you estimated, you might have to repay some of the credit; if it was lower, you might get an extra credit as part of your refund. That’s why having the correct 1095-A is so important.

TL;DR:
To get your 1095-A, sign in to the same Marketplace (Healthcare.gov or your state exchange) where you bought your plan, open your application for that tax year, go to the Tax Forms/1095-A section, and download the PDF—or watch your mail for the paper form.

Information gathered from public forums or data available on the internet and portrayed here.