How Do I Get My Marketplace Tax Form 1095-A?

To get your 1095-A marketplace tax form, sign in to your HealthCare.gov account (or your state marketplace account), open the Tax Forms section of the application for the correct year, and download the PDF.¹ A paper copy is also mailed to the address on your marketplace profile no later than mid-February.² You need this form to file your federal return if you had marketplace coverage during the year, because the IRS uses its monthly premium and subsidy figures to reconcile any advance premium tax credit you received.³

When Your Form Becomes Available

Form 1095-A usually appears in your online marketplace account between mid-January and February 1. Mailed copies arrive by mid-February.² The online copy is faster, and it’s the one to rely on if the mailed version is delayed or gets lost.

If mid-February passes and neither copy has shown up, don’t file without it. The IRS specifically advises waiting for Form 1095-A before filing.⁴ Call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) to request a copy. The line is open 24 hours a day, 7 days a week, except holidays.⁵

Downloading Your 1095-A from HealthCare.gov

If you enrolled through the federal marketplace, the form lives in your HealthCare.gov account. Four steps:

Sign in at HealthCare.gov with the username and password you set up during enrollment.
Select the application for the tax year you need, not your current-year application. To file 2025 taxes in early 2026, open your 2025 application.¹
Choose “Tax Forms” from the menu on the left side of the screen.
Click the link for your 1095-A and save the PDF. You can upload it to tax software or print it for your records.

Prior-year forms sit in the same place. Open the application for whatever year you need, then go to Tax Forms.⁶

Forgotten your login? The portal offers automated recovery through the primary email tied to your account, with security questions or an emailed reset link. If you no longer have access to that email, the Marketplace Call Center can help you get back in.

Getting the Form from a State Marketplace

Not everyone uses HealthCare.gov. For plan year 2026, 21 states and the District of Columbia run their own marketplace portals with separate websites and logins:⁷ California, Colorado, Connecticut, the District of Columbia, Georgia, Idaho, Illinois, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington.

Arkansas and Oregon operate state-based exchanges that sit on the federal platform, so some functions still route through HealthCare.gov.⁷ If you’re in one of those two states, start by trying HealthCare.gov.

For the other state exchanges, sign in to your state’s marketplace site and look for a “Tax Documents” or “Tax Forms” section inside your account dashboard. Select the tax year, click the 1095-A link, and save the PDF. Replacements or corrections have to go through the state exchange itself, not the federal call center. The IRS maintains a list of marketplace contacts if you need one.⁸

If You Can’t Log In or Verify Your Identity

Some users hit a wall before they ever reach their tax documents. The marketplace uses Experian, a credit reporting company, to confirm your identity by asking questions drawn from your credit history. If enough answers match, you’re in.⁹

If online verification fails, you have two ways to resolve it. Call the Experian Help Desk at 1-866-578-5409 with the reference code shown on your screen, or upload copies of identity documents (a driver’s license, Social Security card, or birth certificate) through your HealthCare.gov account. Mailing documents also works, though uploads move faster; mailed documents typically take 7 to 10 business days.⁹ You can’t reach your online account or download tax forms until verification is complete, so don’t leave this until April.

Missing Form or Wrong Information

A wrong address is one of the most common reasons a mailed form never arrives. Keep your marketplace profile current throughout the year. If the paper copy hasn’t come by mid-February and nothing is in your online account, call the Marketplace Call Center at 1-800-318-2596 for a replacement, or contact your state exchange if you enrolled through one.

If the form arrives but the numbers don’t match your records (wrong premium amounts, incorrect months of coverage, wrong household members), you need a corrected version. Call the Marketplace Call Center to report the discrepancy, and the representative will document the errors and submit a correction request.⁸ Corrections involving financial figures can take several weeks because the marketplace has to verify the change against enrollment records. When the corrected form is ready, it appears in your online account and you may get an email or mailed notice. If it arrives after you’ve already filed, you may need to file an amended return.⁴

One exception saves a call: if the only errors are demographic details like a misspelled name or wrong address, just enter the correct information when you file. No corrected form is needed.¹⁰

Using the Form on Your Tax Return

Getting the form is only half the job. If any advance premium tax credit was paid on your behalf, you must file Form 8962 (Premium Tax Credit) with your federal return, even if your income is low enough that you wouldn’t otherwise have to file.¹¹ Form 8962 pulls the monthly enrollment premium, the benchmark silver plan cost, and the advance credits paid straight from your 1095-A, then compares those numbers against your actual income for the year. Depending on how the estimate compared to reality, you’ll either owe some of the credit back, receive an additional credit, or come out even.

Skipping this step has real consequences. If you don’t file Form 8962, the IRS will send Letter 12C asking you to complete the reconciliation, and any refund you’re owed sits in limbo, typically an additional 6 to 8 weeks after the IRS receives your completed form. The bigger consequence hits the following year: if you fail to reconcile, you lose eligibility for advance premium tax credits and cost-sharing reductions for the next calendar year.¹² For most households that rely on subsidies, losing them and paying the full premium out of pocket is far worse than any repayment amount on Form 8962.

Shared Policies Across Multiple Tax Filers

When more than one tax filer is covered under the same marketplace policy, each filer should get a separate 1095-A that reflects only the members of their own tax family. The marketplace splits the enrollment premiums, benchmark silver plan costs, and advance credit payments across the forms.¹³ This most often affects divorced parents sharing a policy for their children, or adult children who were on a parent’s marketplace plan but file their own return. If the allocation looks wrong, or if you received one form when you expected separate ones, contact the marketplace before filing. Form 8962 only works when the premium amounts are properly attributed to your tax family.

1
Health Insurance Marketplace. How to Find Your Form 1095-A Online
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HealthCare.gov. 2025 Health Coverage and Your Federal Taxes
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Internal Revenue Service. About Form 1095-A, Health Insurance Marketplace Statement
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Internal Revenue Service. Health Insurance Marketplace Statements
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HealthCare.gov. Contact Us
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HealthCare.gov. How to Use Form 1095-A
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Centers for Medicare and Medicaid Services. State-based Exchanges
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Internal Revenue Service. Corrected, Incorrect or Voided Form 1095-A
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CMS. Verifying Your Identity in the Marketplace
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CMS: Agent and Brokers FAQ. How Can I Help My Clients Make Corrections to Their Form 1095-A
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IRS. 2025 Instructions for Form 8962 – Premium Tax Credit
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Internal Revenue Service. Reconciling Your Advance Payments of the Premium Tax Credit
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Internal Revenue Service. Instructions for Form 1095-A