How to Get Your Form 1095-A From the Marketplace Online

To get your Form 1095-A from the Marketplace online, log in to your HealthCare.gov account (or your state exchange account if you enrolled through one), open the application for the year you had coverage, and download the 1095-A PDF from the Tax Forms section. The digital form is typically posted between mid-January and February 1 for the previous year’s coverage.¹ The Marketplace is required to furnish it on or before January 31.² Paper copies mailed to your address on file usually arrive by mid-February, so downloading gets you a head start of a couple of weeks.

Where to Log In

If you enrolled through the federal exchange, go to HealthCare.gov and sign in with the username and password you created during enrollment.³ About 21 states plus the District of Columbia run their own exchanges for the 2026 plan year, so if you enrolled through a state-run marketplace, log in there instead.⁴

You can also access your 1095-A through your IRS Individual Online Account. And if an agent or broker helped you enroll, they can pull the form through the approved Enhanced Direct Enrollment sites they use to manage client accounts.⁵ That’s a useful backup if you’re locked out of your own account.

The Download Steps

Once you’re signed in, the step that trips people up is picking the right application year. Open the application for the year you had coverage, not the current year. If you’re filing taxes for 2025 coverage, select your 2025 application.³ From there, look for the Tax Forms section in the navigation menu. Your 1095-A is available there as a PDF.

Check your Marketplace account’s messages or notifications section around late January if the form hasn’t appeared yet. Forms are sometimes posted in batches, so don’t panic before February 1.

What to Verify Before You Use It

Open the PDF and check the basics before it goes anywhere near your tax return:

Part III lists 12 monthly rows with three columns: your monthly premium, the second lowest cost Silver plan (SLCSP) premium, and the advance payment of the premium tax credit. The months shown should match the months you actually had coverage.²
Part II lists every person covered under the plan. Confirm names and Social Security numbers.
Look closely at Column B, the SLCSP. If any month is zero or blank for a month you had coverage, or if you had household changes during the year (a new baby, a move, a marriage), the SLCSP amount is likely wrong. Use the HealthCare.gov tax tool at healthcare.gov/tax-tool to look up the correct figure before filing.¹⁶

If you switched plans mid-year, added or dropped a household member, or otherwise changed your coverage, you may find more than one 1095-A in your account for the same tax year.⁷ Each covers a different period, and you’ll need all of them to complete Form 8962.

If You Can’t Get Into Your Account

If you’ve forgotten your login, the system lets you reset your password using the email tied to your account. Some accounts use security questions or two-factor codes sent by text or email, and those codes expire quickly. Entering incorrect information repeatedly can temporarily lock your account, so slow down if you’re guessing.

HealthCare.gov also runs an identity-proofing step that can fail if you’ve moved or changed your name since enrolling. When automated verification doesn’t go through, you can upload identity documents through your account. Acceptable file types are PDF, JPEG, and PNG, and each file must be under 10 MB.⁸ A response comes by email within 7 to 10 days.

If the Form Isn’t There

If you had Marketplace coverage but no 1095-A has appeared in your account by early February, call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).¹ For state exchanges, contact your state marketplace directly. A representative can confirm whether a form was generated and resend it.

Do not file with estimated numbers. The IRS receives 1095-A data from the Marketplace directly and cross-checks it against your Form 8962. If yours is significantly delayed and April is closing in, requesting an extension with Form 4868 gets you more time without penalties.

One boundary worth flagging: catastrophic-only and dental-only Marketplace plans don’t generate a 1095-A.⁹ If that was your only Marketplace coverage, there’s nothing to download.

If the Form Has Errors

Wrong premiums, incorrect coverage months, or a misspelled name will throw off your return. To request a corrected form, call the Marketplace Call Center at 1-800-318-2596 or contact your state exchange.¹⁰

What you do next depends on where you are in the filing process. If you haven’t filed, wait for the corrected version (it will have “CORRECTED” checked at the top) and use that one.¹⁰ If you’ve already filed and the changes affect premiums, advance credit payments, or covered individuals, you may need to file an amended return on Form 1040-X. If the Marketplace voided your 1095-A after you filed, plan on amending.

A useful distinction: if the correction only increases your refund or decreases what you owe, amending is optional. If it increases your tax liability, the IRS expects you to amend.

Why the 1095-A Matters More for 2026

Anyone who received advance premium tax credits has to file Form 8962 with their return to reconcile those payments against the credit they actually qualified for based on final income.¹¹ If your income came in higher than what you estimated at enrollment, the advance payments were too generous and you owe the difference.

For tax years before 2026, the IRS capped how much of that excess you had to repay based on income. Those caps are gone. Starting with the 2026 tax year, you must repay the full amount of any excess advance credit regardless of income, and that amount is added to your tax bill.¹²¹³ Estimating income too low can now be genuinely expensive. The flip side: if your income came in lower than estimated, you may qualify for a larger credit than you received upfront, and you’ll get the difference as a bigger refund.

Skipping reconciliation is the costliest mistake tied to this form. If you received advance credits and don’t file a return with Form 8962, the Marketplace will cut off your advance premium tax credit for future years, leaving you responsible for the full monthly premium with no subsidy.¹⁴ The download itself takes five minutes.

1
HealthCare.gov. How to Use Form 1095-A, Health Insurance Marketplace Statement
2
Internal Revenue Service. Instructions for Form 1095-A (2025)
3
Health Insurance Marketplace. How to Find your Form 1095-A online
4
Centers for Medicare and Medicaid Services. State-based Exchanges
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Centers for Medicare and Medicaid Services. How do consumers receive their Form 1095-A
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HealthCare.gov. Health coverage tax tool
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Internal Revenue Service. Questions and answers about health care information forms for individuals
8
Health Insurance Marketplace. How to upload documents to verify your identity if ID proofing was not successful
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Centers for Medicare and Medicaid Services. What is Form 1095-A
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Internal Revenue Service. Corrected, incorrect or voided Form 1095-A
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Internal Revenue Service. About Form 1095-A, Health Insurance Marketplace Statement
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Office of the Law Revision Counsel. 26 USC 36B – Refundable credit for coverage under a qualified health plan
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Internal Revenue Service. Updates to Questions and Answers about the Premium Tax Credit
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Internal Revenue Service. Questions and answers on the Premium Tax Credit