If you lost your 1095-A form, the fastest way to get another one is to log into your HealthCare.gov account (or your state exchange account) and download a PDF from the “Tax Forms” section. If you can’t get in online, call the Marketplace Call Center at 1-800-318-2596 and ask for a mailed replacement. Either route works, and you need the form before you file: the IRS already has its own copy, and it expects yours to show up on your return.
Download a Replacement From HealthCare.gov
If you enrolled through the federal Marketplace, a digital copy of your 1095-A is sitting in your HealthCare.gov account. Log in, then open the application for the tax year you need rather than the current plan year. Choose “Tax Forms” in the menu. Under “Your Form 1095-A,” select “Download PDF.”1HealthCare.gov. How to Use Form 1095-A Save it and print a backup while you’re there.
If two forms appear and one is labeled “Corrected,” use the corrected version. It reflects updated information from the Marketplace and is the version you should file with.2Health Insurance Marketplace. How to Find Your Form 1095-A Online The PDF is treated as the same document as a paper 1095-A and meets IRS reporting requirements.
Forgotten your login? The account recovery flow asks for identifying details such as your Social Security number and date of birth.3Centers for Medicare & Medicaid Services (CMS). Verifying Your Identity in the Marketplace Have that information ready for anyone who was listed on the original application, including dependents who may no longer live with you.
Request a Mailed Copy by Phone
If online access isn’t an option, 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 holidays.4HealthCare.gov. Contact Us A representative will verify your name, date of birth, Social Security number, and the mailing address you used when you enrolled. Once you’re confirmed, they can send a replacement paper copy.
Plan on roughly two weeks or more during peak tax season. Before you hang up, confirm the address on file is current. An outdated address is one of the most common reasons the original never showed up, so updating it now saves you from repeating this call.
If You Enrolled Through a State Exchange
The federal call center can only pull forms from HealthCare.gov. If you signed up through a state-based exchange, your 1095-A lives in that state’s portal. More than 20 states and the District of Columbia run their own exchanges for Plan Year 2026, including 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.5Centers for Medicare & Medicaid Services (CMS). State-based Exchanges
Old insurance correspondence or the website where you first enrolled will tell you which exchange handled your coverage. Log in with your state-specific credentials and look for a “Tax Forms” or “Tax Documents” section. Each state’s layout is a little different, but the goal is the same PDF download. If you can’t find it, call the state exchange’s customer service line directly.
When the Form Should Have Arrived
The Marketplace mails Form 1095-A by January 31, and it should reach you by mid-February. Digital copies sometimes post to your online account by mid-January.6HealthCare.gov. 2025 Health Coverage and Your Federal Taxes If mid-February has come and gone with nothing in your mailbox or your account, stop waiting and use the steps above.
Why You Can’t Just File Without It
Form 1095-A feeds directly into Form 8962, the Premium Tax Credit form. The numbers on the 1095-A let you calculate whether the advance premium tax credits paid on your behalf during the year matched what you actually qualified for, and you report the difference on your return.7Internal Revenue Service. Health Insurance Marketplace Statements The Marketplace also sends a copy of your 1095-A straight to the IRS, so the agency already knows you had Marketplace coverage and received advance credits.8Internal Revenue Service. About Form 1095-A, Health Insurance Marketplace Statement
Skipping Form 8962 doesn’t work. What happens depends on how you filed:
- E-filed returns: The IRS rejects the return outright under business rule F8962-070 when its records show advance credits but the return has no Form 8962 attached. You add the form and resubmit before the return processes at all.
- Paper-filed returns: The IRS accepts the return initially, then sends a letter asking for the missing form. Any refund is held while the correspondence works its way back and forth.
Handling this at filing time is far less painful than fixing it by mail later.9Internal Revenue Service. How to Correct an Electronically Filed Return Rejected for a Missing Form 8962
If the Filing Deadline Is Close
If the deadline is bearing down and the replacement hasn’t arrived, file Form 4868 for an automatic six-month extension. An extension gives you more time to file, but it does not extend the deadline to pay any taxes you owe. If you expect a balance, estimate the amount and send a payment with the extension so interest and penalties don’t build up. When the 1095-A finally shows up, complete Form 8962 and file the return as normal.
Check for More Than One Form
Don’t assume there’s only one 1095-A waiting for you. You get a separate form for each Marketplace policy you were enrolled in during the year. Switching plans mid-year, marrying or divorcing and changing coverage, or having different family members on different policies can all produce multiple 1095-As.10Internal Revenue Service. Questions and Answers About Health Care Information Forms for Individuals When you’re in your account downloading the replacement, look at whether more than one is listed. Each one needs to be accounted for on Form 8962.
Keep the Replacement for At Least Three Years
Once you file, hold onto the 1095-A and your completed Form 8962 for at least three years from the date you filed or two years from the date you paid the tax, whichever is later.11Internal Revenue Service. How Long Should I Keep Records That’s the standard IRS record-retention window for supporting documents. If you ever underreported income by more than 25 percent of gross income, the window stretches to six years. Saving a digital copy in the same folder as your filed return is the simplest way to avoid running through this replacement process again next year.