A Step-by-Step Guide to Using Form 1095-A

If anyone in your household was enrolled in a Marketplace plan in 2024, you should receive Form 1095-A, Health Insurance Marketplace® Statement, by mail no later than mid-February. You may also be able to access it in your Marketplace account as early as mid-January and no later than February 1.

You must have your Form 1095-A before you file.

Make sure you have an accurate Form 1095-A before filing your taxes. If you notice any errors in your coverage or household information, contact the Marketplace Call Center for assistance.

Your Form 1095-A provides details about the Marketplace plans that anyone in your household had in 2024.
It is issued by the Marketplace, not the IRS.
Keep your Form 1095-A with your other important tax documents, such as W-2s and other financial records.

How to find your 1095-A online

Log into your Marketplace account.
Under "Your applications," select your 2024 application — not your 2025 application.
Select “Tax Forms."
Download all 1095-As.

Get screen-by-screen directions, with pictures (PDF, 499 KB).

Note: If you can't find your 1095-A in your Marketplace account, contact the Marketplace Call Center.

What’s on Form 1095-A and why you need it

Your 1095-A has information about Marketplace plans any member of your household had in 2024, including:
- Premiums paid
- Premium tax credits used
- A figure called "Second lowest cost Silver plan" (SLCSP) (Affects the premium tax credit if you used it to lower your premiums during the year. Find the SLCSP on Form 1095-A, sent by the Marketplace annually, or use the HealthCare.gov tax tool.)
You’ll use information from your 1095-A to fill out tax Form 8962, Premium Tax Credit (PDF, 115 KB). This is how you'll "reconcile" (Use IRS Form 8962 to find out if you used the right amount of premium tax credit during the year. Use the form to compare the advance amount you use to the amount you qualify for based on your final income. If you used too much, you’ll repay it via taxes. If you used too little, claim the difference as a credit.)— find out if there's any difference between the premium tax credit you used and the amount you qualify for. Find instructions for Form 8962 (PDF, 348 KB).
If you had Marketplace coverage but didn't use the prenium tax credit (A tax credit you can use to lower your monthly insurance payment (your “premium”)).
Learn more about Form 1095-A from the IRS.

Check that your 1095-A is correct

Carefully read the instructions on the back.
Make sure it’s correct. If anything about your coverage or household is wrong, contact the Marketplace Call Center.
Make sure the information about the “second lowest cost Silver Plan” (SLCSP) is correct.

I think my "monthly enrollment premium" is wrong.

The "monthly enrollment premium" on Form 1095-A (Part III, Column A) may be different from the monthly premium you paid. This doesn't always mean this amount is wrong because:

Your plan included benefits in addition to the essential health benefits required by the health care law, like adult dental or vision benefits. In this case, the monthly enrollment premium on your Form 1095-A may show only the amount of your premium that applied to essential health benefits.
You or a household member started or ended coverage mid-month. In this case, your Form 1095-A will show only the premium for the parts of the month you had coverage.
You were enrolled in a stand-alone dental plan and a dependent under 18 was enrolled in it. In this case, the monthly enrollment premium on your Form 1095-A may be higher than you expect because it includes a portion of the dental plan premiums for pediatric benefits.

If any of these applied, the premium on your 1095-A is probably correct. If you think it's wrong, contact the Marketplace Call Center. If the form has errors, we'll send you a corrected version.

How to know if your second lowest cost Silver plan information is correct

Look at Part III, column B of your 1095-A, titled “Monthly second lowest cost silver plan (SLCSP) premium.” It should show figures for each month any household member had the Marketplace plan.

The SLCSP premium is incorrect if:

Part III, Column B has a “0” or is blank for any month someone in your household had the Marketplace plan
You had changes in your household that you didn’t tell the Marketplace about — like having a baby, moving, getting married or divorced, or losing a dependent

If either applies to you, use our tax tool to get the premium for your second lowest cost Silver plan.