Lost Your Form 1095-A: How to Download or Request a Replacement

If you lost your Form 1095-A, you can usually replace it in a few minutes by logging into the Marketplace account you used to enroll, opening the application for the tax year you need, and downloading the PDF under “Tax Forms.”¹ There’s no fee, and the downloaded copy is identical to the one that was mailed. If you can’t get in online, the Marketplace Call Center at 1-800-318-2596 can send a replacement by mail and confirm the key figures over the phone while you wait.

Download It from HealthCare.gov

If you enrolled through HealthCare.gov, sign in and select the application for the coverage year you’re filing for, not the current one. That distinction matters: your 2025 tax return uses the 1095-A from your 2025 application, even if you’re now in a 2026 plan. Open “Tax Forms” from the menu and click “Download PDF” under “Your Form 1095-A.”¹ Save the file somewhere you’ll find it again. Forms typically post in mid-January.

Enrolled Through a State Exchange? Look There Instead

HealthCare.gov won’t have your form if you signed up through a state-run marketplace. For plan year 2026, more than 20 states and the District of Columbia run their own exchanges: California, Colorado, Connecticut, Georgia, Idaho, Illinois, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Pennsylvania, Rhode Island, Vermont, Virginia, and Washington.² Log in to that state exchange and look under “Tax Documents” or “Tax Forms” inside your account. Each state’s portal looks a little different, but the form lives in the same general place.

Not sure which exchange you used? Check the return address on any enrollment letters you kept, or look at old browser bookmarks. The state exchange runs its own call center, listed on its website.

Call for a Replacement

If you can’t sign in, call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325). The line runs 24 hours a day, 7 days a week, except federal holidays.³ The representative will verify your identity using your name, date of birth, and Social Security number before opening your account.⁴ Once you’re verified, they can mail a replacement to the address on file. Mail adds time, so call well before your filing deadline if this is your only route.

Ask the representative to read the Part III figures aloud while you’re on the line. Those numbers, monthly premium, second lowest cost Silver plan (SLCSP), and monthly advance credit paid, are what you need to start your return. You can begin filing while the paper copy is on its way.

Check the Replacement for Errors

When the copy arrives, read it carefully. Wrong premium amounts, wrong coverage dates, or a wrong SLCSP figure will feed directly into your Form 8962 and produce the wrong credit. If something is off, call 1-800-318-2596 to request a correction. The Marketplace will research the issue, correct the form, mail the updated version, upload it to your account, and report the corrected data to the IRS.⁵

One shortcut: if the only mistake is demographic, a misspelled name or a wrong date of birth, you can fix it on your tax return without asking the Marketplace to reissue the form.⁵

If the replacement arrives with the “VOID” box checked, the Marketplace has determined the original form was sent in error, usually because enrollment was never completed. Don’t file with a voided form or the original it replaces. If you already filed using the original, you’ll need to amend. If you believe the void is itself a mistake and you truly had Marketplace coverage, call the Marketplace right away for an accurate replacement.⁶

Why You Need This Form to File

Form 1095-A exists so you can complete IRS Form 8962, Premium Tax Credit. Form 8962 compares the advance premium tax credit your insurer received during the year against what you actually qualified for based on your final income, and it attaches to your Form 1040.⁷ If any advance payments were made on your behalf, filing Form 8962 is mandatory, even if you otherwise wouldn’t have to file a return.⁸

Skip it and there are consequences. An e-filed return without Form 8962 is rejected outright under code F8962-070, and you have to refile.⁹ A paper return will be accepted at first, but the IRS follows up by mail, which holds up any refund.

The reconciliation cuts one of two ways. If your advance payments exceeded the credit you earned, you owe the difference back. For tax year 2025, repayment amounts are capped based on your household income as a percentage of the federal poverty line, so most people won’t owe every dollar of overpayment. Those caps expire after tax year 2025, so full repayment applies starting with tax year 2026 returns.¹⁰ If your advance payments were too low, the extra credit comes back as a larger refund or a smaller tax bill.

1095-B and 1095-C Are Different Forms

Only the 1095-A comes from the Marketplace and only the 1095-A triggers Form 8962. If you had employer coverage from a large employer, you got a 1095-C from the employer. If you had Medicare, Medicaid, CHIP, or private insurance outside the Marketplace, you may have received a 1095-B from the coverage provider.⁸ You generally don’t need a replacement of either to file. If the form you lost was actually a 1095-B or 1095-C, you can move on with your return.

If the Filing Deadline Is Close

The deadline for a 2025 return is April 15, 2026.¹¹ If your 1095-A still hasn’t shown up and time is short, file Form 4868 for an automatic six-month extension to October 15, 2026. You don’t need to explain why; the IRS grants it as long as you estimate your tax liability and submit by April 15. An extension to file is not an extension to pay: interest builds on any unpaid balance after April 15.

Do not file a return without Form 8962 to beat the clock. A rejected e-file or a flagged paper return will cost you more time than the extension would.

If a Letter 12C Arrives

When the IRS knows advance credit was paid on your behalf but doesn’t see Form 8962 on your return, it sends Letter 12C requesting the missing form. You have to respond, even if you disagree with the IRS’s records or don’t believe you were enrolled. The letter includes a fax number; send back a completed Form 8962 and a copy of your 1095-A.¹²

Do not file Form 1040-X in response to Letter 12C. The IRS instructs taxpayers to reply to the letter directly instead. If you never had Marketplace coverage and the letter was triggered by an error, write back explaining that so the IRS can update its records.¹²

1
HealthCare.gov. How to Use Form 1095-A, Health Insurance Marketplace Statement
2
Centers for Medicare & Medicaid Services. State-based Exchanges
3
HealthCare.gov. Contact Us
4
Centers for Medicare & Medicaid Services. Verifying Your Identity in the Marketplace
5
FAQs for Marketplace Agents and Brokers. How Can I Help My Clients Make Corrections to Their Form 1095-A
6
Internal Revenue Service. Corrected, Incorrect or Voided Form 1095-A
7
Internal Revenue Service. Instructions for Form 8962 (2025)
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Internal Revenue Service. Questions and Answers About Health Care Information Forms for Individuals – Forms 1095-A, 1095-B and 1095-C
9
Internal Revenue Service. How to Correct an Electronically Filed Return Rejected for a Missing Form 8962
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Internal Revenue Service. Updates to Questions and Answers About the Premium Tax Credit
11
Internal Revenue Service. IRS Announces First Day of 2026 Filing Season; Online Tools and Resources Help With Tax Filing
12
Internal Revenue Service. Reconciling Your Advance Payments of the Premium Tax Credit