Where to Find Your 1095-A, 1095-B, or 1095-C: Timing and Errors

Where to find your 1095-A, 1095-B, or 1095-C depends on who provided your health coverage last year. The 1095-A comes from the Health Insurance Marketplace and is available in your HealthCare.gov or state exchange account. The 1095-B comes from your insurance company or a government program like Medicaid. The 1095-C comes from your employer, usually through the same payroll system where you get your W-2. Of the three, only the 1095-A is still sent to you automatically; the other two you often have to request.

Figure Out Which Form You Should Have

Before you go looking, confirm which version applies. The form you get is tied entirely to where your coverage came from during the tax year.

You enrolled through HealthCare.gov or a state-based exchange: Form 1095-A, issued by the Marketplace. You need this one to complete Form 8962 and reconcile any advance premium tax credits.¹
You had private insurance, a small-business SHOP plan, Medicaid, or CHIP: Form 1095-B, issued by the insurer or program.²
You worked for an employer with 50 or more full-time employees: Form 1095-C, issued by that employer.³

If your coverage changed mid-year, you may get more than one. Switching from Medicaid to a Marketplace plan, for example, produces both a 1095-B and a 1095-A.

Where to Find Your 1095-A

If you enrolled through HealthCare.gov, log in, open your 2025 application (not the 2026 one), and click “Tax Forms.” Your 1095-A will be listed there as a PDF download. If a corrected version has been issued, it will be labeled “Corrected” — use that one and ignore the original.⁴

About 21 states and the District of Columbia run their own exchanges instead of using HealthCare.gov.⁵ If you enrolled through one of these — Covered California, NY State of Health, Access Health CT, and others — you have to log into that state’s website. HealthCare.gov will not have your form. The navigation is similar: sign in, look for a “Tax Forms” or “1095-A” section.

Can’t get into your account or the portal is down? Call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) and ask them to mail a copy to the address on file.⁴ State-based exchanges have their own call centers listed on their websites.

Where to Find Your 1095-B

Insurers and government programs no longer have to mail Form 1095-B automatically. Most now satisfy the requirement by posting a notice on their website telling you a copy is available on request.⁶ So the fastest path is usually the provider’s online portal.

Log into your insurance company’s website and look under “Documents,” “Tax Center,” or “Tax Forms.” Many carriers send an email or dashboard alert when the form is ready. For Medicaid, CHIP, or other government-sponsored coverage, log into your state benefits portal and check the correspondence or documents section.

If it isn’t posted, call the customer service number on the back of your insurance card, or the state agency’s number for public program coverage, and request one. Once you ask, the provider has 30 days to furnish it, or until January 31, 2026, whichever is later.⁶

Where to Find Your 1095-C

Large employers usually post Form 1095-C on the same payroll or benefits platform where you download your W-2. Systems like Workday, ADP, and Paychex file it under “Tax Statements” or “Year-End Forms.” Watch for an email alert from your employer or payroll provider when the form is available.

Employers are also allowed to skip the automatic mailing and instead post a website notice explaining how to request a copy.⁷ If nothing shows up in your payroll portal, look on the company intranet or benefits site for that notice, submit a request, and the employer has 30 days to provide it.

If you left the company and no longer have login access, contact HR or payroll directly. Employers must furnish the form to former employees the same as current ones.⁸ An email or phone call to the payroll administrator will usually get a copy mailed within a couple of weeks.

When Each Form Should Be Available

Form 1095-A is typically available in your Marketplace account between mid-January and February 1, with paper copies mailed no later than mid-February.⁴

Form 1095-B follows the request rule above: 30 days from your request, or by January 31, 2026, whichever is later.⁶

For Form 1095-C, the deadline for employers to have the 2025 form available is March 2, 2026.⁷

Do You Need the Form Before Filing?

For the 1095-B and 1095-C, no. The IRS says you can file your return without them, using whatever records you already have about your coverage — enrollment confirmations, insurance cards, pay stubs showing deductions.⁹ Don’t attach any 1095 form to your return either way. Keep them with your tax records.

The 1095-A is different. If you had Marketplace coverage, the IRS recommends waiting until you have it before filing, because you need the numbers on it to complete Form 8962.⁹ If you e-file without Form 8962 and IRS records show you received advance premium tax credits, the return will be rejected outright, delaying your refund.¹⁰

If Your 1095-A Has Errors

Mistakes on the 1095-A are common: wrong premium amounts, wrong household members, coverage months that don’t match your actual enrollment. Don’t file with an incorrect form. Call the Marketplace Call Center at 1-800-318-2596, or your state exchange’s call center, explain the problem, and wait for a corrected version to appear in your account with a “Corrected” label.⁴

If you already filed before spotting the error, you’ll likely need to file an amended return with the corrected figures and a recalculated Form 8962. That can change your premium tax credit and either your refund or your balance due, so it’s worth doing quickly instead of letting the discrepancy grow.

1
Internal Revenue Service. Instructions for Form 8962 (2025)
2
Internal Revenue Service. About Form 1095-B, Health Coverage
3
Internal Revenue Service. Determining if an Employer Is an Applicable Large Employer
4
HealthCare.gov. How to Use Form 1095-A, Health Insurance Marketplace Statement
5
Centers for Medicare & Medicaid Services. State-based Exchanges
6
Internal Revenue Service. Instructions for Forms 1094-B and 1095-B
7
Internal Revenue Service. Instructions for Forms 1094-C and 1095-C (2025)
8
Internal Revenue Service. Questions and Answers About Information Reporting by Employers on Form 1094-C and Form 1095-C
9
Internal Revenue Service. Questions and Answers About Health Care Information Forms for Individuals
10
Internal Revenue Service. How to Correct an Electronically Filed Return Rejected for a Missing Form 8962