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Where do I find my 1095 tax form?

There are three different forms that are used by exchanges, employers, and health insurance companies, to report health insurance coverage to the IRS.

Q. What are the tax forms associated with health insurance, and where do I get them?

A. There are three different forms that are used by exchanges, employers, and health insurance companies, to report health insurance coverage to the IRS. And there are two health insurance-related forms that some tax filers need to complete when they file their return.

If you have specific questions about your situation, consult a tax advisor or the Volunteer Income Tax Assistance Program. Here’s an overview of the new forms that Americans have been receiving since early 2015:

Form 1095-A

Form 1095-A is sent out by the health insurance exchanges (HealthCare.gov or a state-based exchange, depending on the state). This form is mailed to the IRS and to the policyholder.

It includes information about the cost of your plan, the cost of the second-lowest-cost Silver plan (benchmark plan) in your area, any premium subsidy that was paid on your behalf during the year, the months you had coverage, and which household members had coverage under the plan. Form 1095-A is your proof that you had health insurance coverage during the year, and it’s also used to reconcile your premium subsidy on your tax return, using Form 8962 (details below).

Form 1095-A is essential for preparing your tax return if you received a premium subsidy or if you paid full price for coverage through the exchange and want to claim the premium subsidy on your tax return. If you got your coverage through the exchange, you shouldn’t file your tax return until you receive your Form 1095-A. Your 1095-A should be available online in January, and the exchange should also send it to you by early-mid February (by email, regular mail, or both, depending on the preference you indicated when you enrolled). If delivery of your 1095-A is delayed or the information on it is incorrect, you can contact your exchange.

(For the 2020 tax year, due to COVID-19, the rules were different. People who received excess premium tax credits in 2020 did not have to repay them to the IRS, and did not even have to file Form 8962 at all, unless they needed to claim additional premium tax credits. But that was for 2020 only, and the normal rules are back in place for 2021 and future years.)

Form 1095-B

Form 1095-B is sent out by health insurance carriers, government-sponsored plans such as Medicare, Medicaid, and CHIP, and self-insured small employers (large employers, including those that are self-insured, send out Form 1095-C instead). This form is mailed to the IRS and to the insured member. If you buy your own coverage outside the exchange, you’ll receive Form 1095-B instead of Form 1095-A (you may have to request Form 1095-B if you want it, as it may not be sent to you automatically the way it was in the past).

Form 1095-B essentially just shows who was covered, and which months of the year they had coverage. Premium subsidies aren’t available for plans that send a 1095-B. And there’s no longer a penalty for being without health insurance (unless you’re in a state that has its own individual mandate penalty) so having proof of coverage isn’t as important as it was prior to 2019. Some states still impose a penalty for being uninsured, but unless you’re in one of those states, Form 1095-B is no longer necessary.

Some entities that used to send Form 1095-B — such as some states’ Medicaid agencies — are no longer sending this form (see IRS regulations about this). This is because people in most states no longer need to prove that they had coverage during the year, and there is no longer a box on the federal tax return asking whether the tax filer had health insurance.

Form 1095-C

Form 1095-C is sent out by large employers who are required to offer health insurance coverage as a provision of the ACA. This applies to employers with 50 or more full-time equivalent employees (ie, Applicable Large Employers). Form 1095-C is sent to the IRS and to full-time employees (30+ hours per week). It’s provided to all employees who were eligible to enroll in the employer’s plan, regardless of whether the employee actually enrolled in the plan or not.

If you were enrolled in your employer’s plan or opted to be uninsured, Form 1095-C is generally not necessary when you’re filing your taxes. (As is the case for Form 1095-B, you may need proof of health insurance coverage if you’re in a state that imposes a penalty for being uninsured; Form 1095-C will serve as that proof.)

Which form will you receive?

Most people will only receive one of those three forms. But there are some circumstances where you might receive more than one.

For example, if you work for a large company and have access to coverage from your employer, but you opted to buy coverage in the exchange instead, you’d receive Forms 1095-A and 1095-C. The 1095-C would indicate that you were offered employer-sponsored coverage, even though you declined it.

(Note that if you rejected an employer’s offer of coverage and enrolled in a marketplace plan instead, marketplace subsidies are not available if the employer’s plan was considered affordable and would have provided minimum value. If you receive both a 1095-A and a 1095-C for the same months of the year, you’ll want to consult with a CPA to make sure that your premium tax credit is correctly reconciled.)

And if you switched from an individual plan to a plan offered by a large employer mid-year, you’ll end up with a form from each of them. Whatever forms you receive are also received by the IRS, so everyone is on the same page.

Forms 1095-A, B, and C may be delivered electronically or on paper, depending on whether you opted in for electronic delivery. You’ll use the information on the form to complete your tax return, but you keep it with your records (don’t attach it to your tax return.)

When will my Form 1095 arrive?

For 2016 coverage and beyond, the deadline for exchanges, health insurers, and employers to send out the forms is January 31 of the following year. But every year thus far, the IRS has granted a deadline extension for the distribution of Form 1095-B and 1095-C. The deadline to distribute 2021 forms was pushed to March 2, 2022, and the IRS has proposed making this extension permanent.

Forms 1095-A (from the exchanges) for 2021 coverage still had to be sent to enrollees by January 31, 2022. They sometimes take a while to arrive, so it may have been February before you received yours; as noted above, you can log into your exchange account online and see your 1095-A if you didn’t receive it in the mail or have misplaced it.

So depending on where you got your health insurance in 2021, your form may have arrived in January, February, or March. If you don’t get your form in a timely manner, you can contact the exchange, your health insurance carrier, or your employer, depending on who should be sending you a form.

Forms 8962

Most Americans don’t have to do anything on their tax returns pertaining to health insurance (for 2014 through 2018 tax years, most people were able to simply check the box for “full-year health care coverage” on their tax return and carry on; that box is no longer part of the federal tax return, as there’s no longer a federal penalty for being uninsured, although it is part of the state tax return in California, New Jersey, Rhode Island, Massachusetts, and DC).

But if you received a premium subsidy from the exchange – or if you paid full price through the exchange but are eligible to claim the subsidy on your tax return – you have to complete Form 8962 with your tax return.

If you received a subsidy and fail to complete Form 8962, you won’t be able to continue receiving a subsidy going forward, so this form is essential for the millions of people who are receiving premium subsidies in the exchange. And if you paid full price for a marketplace plan during the year and are eligible for the premium tax credit (or if you received some premium tax credit but are eligible for more), you’ll use Form 8962 to claim your premium tax credit. The information on Form 1095-A is used to complete Form 8962.

For people who didn’t have minimum essential coverage at any point between 2014 and 2018, Form 8965 was used to claim exemptions from the individual mandate penalty, if applicable. Exemptions granted by the IRS are no longer necessary (as there’s no longer a federal penalty for being uninsured), so this form is no longer needed for current tax returns. But some states have their own individual mandates now, and residents can access state tax forms for claiming exemptions. The health insurance exchanges can also still provide exemptions from the individual mandate, which are necessary in order to enroll in a catastrophic health plan if you’re 30 or older (note that the exchanges use their own form for this; it’s not a tax form).


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

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Rhoda
Rhoda
2 years ago

I have missed places my 1095 for myself and my granddaughters and want to know how do I get another one mailed to me

Steve Anderson
Steve Anderson
2 years ago
Reply to  Rhoda

Rhoda, you’ll need to contact your state’s exchange and request a replacement.

James Wayne Richardson
James Wayne Richardson
2 years ago
Reply to  Rhoda

I haven’t received my 1095a and would like to ask if you could mail me one please so I can file my taxes please and thank you

Steve Anderson
Steve Anderson
2 years ago

James, you’d need to contact your state’s exchange for this form. (We’re not an exchange, and we’re not HealthCare.gov.)
https://www.healthinsurance.org/faqs/where-do-i-find-my-1095-tax-form/

Michael
Michael
1 year ago

Never received my 1095

Louise Norris
Editor
1 year ago
Reply to  Michael

Michael, you can log back into your marketplace/exchange account and get your 1095-A, or call the marketplace and ask them to mail you a new one (we are not an exchange, so we do not have access to anyone’s 1095-A).

Rene norris
Rene norris
2 years ago

Nesecito mi form de mis taxes 2019

Steve Anderson
Steve Anderson
2 years ago
Reply to  Rene norris

If delivery of your 1095-A is delayed or the information on it is incorrect, you should contact your state exchange / HealthCare.gov. (We are not an exchange.)

Daniel Valencia
Daniel Valencia
2 years ago

I had coverage for the first three months of 2019. The way the 8962 calculates, it says i’m not qualified for coverage.
Do I have to pay back the premium tax credit I got for those three months if I let my insurance lapse?

Marjorie A Fergus
Marjorie A Fergus
2 years ago

how do I get my proof of ins 1095 a b from medicare so I can do taxes

Marjorie A Fergus
Marjorie A Fergus
2 years ago

how do I get 1095 AB completed forms frm medicare for taxes

Steve Anderson
Steve Anderson
2 years ago
MIKE
MIKE
2 years ago

The market place insurance i use is telling me that they are not sending a 1095a out. Can use my transaction Summary? Or what should i do in this situation?

Louise Norris
Louise Norris
2 years ago
Reply to  MIKE

Mike,
Which state are you in? All of the exchanges are required to send Form 1095-A to their enrollees, as that form is necessary in order for people to claim or reconcile the premium tax credit. People who don’t get the premium tax credit don’t need the form in order to file their taxes, but the exchange still has to send it out or make it available through your online account. Most states use HealthCare.gov, but if you’re in one of the states listed here under “state” your 1095-A would have come from the state-run exchange: https://www.healthinsurance.org/faqs/what-type-of-health-insurance-exchange-does-my-state-have/
It’s possible you have off-exchange coverage, in which case you wouldn’t get a 1095-A (those only come from the exchange, not from insurers). If you’re itemizing your deductions, the total amount you paid in premiums would count towards your medical expenses, and if you’re self-employed, you can deduct your premiums under the self-employed health insurance deduction (even if you don’t itemize). You can get those amounts from your own records, even if you don’t receive a statement from your insurer.

Terri Bodle
Terri Bodle
2 years ago

How do I get a copy of 2018 1095 forms for the dependents who lived with me that year

Steve Anderson
Steve Anderson
2 years ago
Reply to  Terri Bodle
Dante Saulsberry
Dante Saulsberry
2 years ago

I have missed placed my 1095 and I want to know how do I get another one mailed to me.

Steve Anderson
Steve Anderson
2 years ago

The answer your question (as noted in the second section above) is that you’d need to contact your exchange for the form.

Lindora Perry Toudle
Lindora Perry Toudle
2 years ago

I need a copy of my 1095 to file my taxes how do I contact someone for help

Steve Anderson
Steve Anderson
2 years ago

You’d need to contact your exchange. You can find your state exchange on this page: https://www.healthinsurance.org/state-health-insurance-exchanges/

mildred bailey
mildred bailey
1 year ago

how can i get copy of 1099 form

Steve Anderson
Steve Anderson
1 year ago
Reply to  mildred bailey
mildred bailey
mildred bailey
1 year ago

how do i contact my ins exchange

Steve Anderson
Steve Anderson
1 year ago
Reply to  mildred bailey

You can search for your exchange here by clicking on your state: https://www.healthinsurance.org/state-health-insurance-exchanges/

Julie
Julie
1 year ago

How can I get a copy of my 1095 C

Steve Anderson
Steve Anderson
1 year ago
Reply to  Julie

The 1095-C form is explained the section about 1095-C, Julie. It’s sent out by your employer. (So you’d need to contact your employer.)

Tracy k cobb
Tracy k cobb
1 year ago

How can i get my 1095a

Louise Norris
Editor
1 year ago
Reply to  Tracy k cobb

If you haven’t yet received it in the mail, you should be able to log into your marketplace account to get a copy online. Here’s how you do it if you’re in a state that uses HealthCare.gov: https://www.healthcare.gov/tax-form-1095/
If you’re in one of the states where they run their own marketplace instead, you’ll need to reach out to the marketplace if you can’t find your 1095A in your account. They should be able to point you in the right direction.

Shandrea Colson
Shandrea Colson
1 year ago

No just need to obtain an online copy of my 1095 B

Louise Norris
Editor
1 year ago

Form 1095-B comes from government-sponsored plans (Medicare, Medicaid, CHIP, etc.) and small businesses with fewer than 50 employees. We advise that you check with an accountant to be certain, but unless you’re in a state that imposes its own individual mandate penalty, you probably don’t need your 1095-B. It’s not used to reconcile premium tax credits (that’s 1095-A, if you had a plan through the marketplace), so you can likely file your taxes without it.
That said, if you do need a copy, you can contact your health insurance company (or employer, if you work for a small business that self-insures its coverage) or the government agency that sponsors your coverage, if applicable.

ADRIANNA MEDINA
ADRIANNA MEDINA
1 year ago

NEEDED TO PRINT A COPY OF MY EMPLOYER PROVIDED 1095 FORM. I AM A NYC POLICE DEPARTMENT RETIRED POLICE OFFICER WITH 2 KIDS WHAT FORM WAS I SUPPOSE TO HAVE RECEIVED? NOW CURRENTLY ON MEDICARE ALSO.

Louise Norris
Editor
1 year ago

If you were employed full time by the city of NY during 2020, you should have received a 1095-C from the city and a 1095-B from the insurer that you used: https://www1.nyc.gov/assets/olr/downloads/pdf/health/1095-c-form.pdf If you didn’t, you can reach out to your former employer and/or insurer to see if they can send you a new one. But you don’t need these forms in order to file your tax return. As long as you didn’t receive coverage in the marketplace (reported on Form 1095-A), there is nothing to reconcile on the tax return related to health insurance.

hollie lewis
hollie lewis
3 months ago

How can I get my Market Place 1095

Louise Norris
Editor
3 months ago
Reply to  hollie lewis

You should receive it in the mail any day now. But if you don’t, you can log into your marketplace account and should be able to see it there, with an option to print it out if you need a paper copy. If you’re still running into problems, you should reach out to your state’s marketplace directly and ask for assistance (in most states, the marketplace is HealthCare.gov, but there are also 18 state-run exchanges: https://www.healthinsurance.org/faqs/what-type-of-health-insurance-exchange-does-my-state-have/)

John Watson
John Watson
3 months ago

Receipt of quarterly payments to Medicare

jerry francis
jerry francis
2 months ago

if i have medicaid, do i need prove of 1095c?

Louise Norris
Editor
2 months ago
Reply to  jerry francis

Medicaid programs send Form 1095-B. But since there is no longer a penalty for not having coverage, and since the federal Form 1040 no longer asks whether you had health insurance during the year, state Medicaid programs are no longer required to send Form 1095-B. So some have stopped sending them out. Regardless of whether you received one or not, it won’t make a difference on your federal tax return.
But note that there are a few states — CA, DC, MA, NJ, and RI — where there is a state penalty for not having health coverage: https://www.healthinsurance.org/faqs/is-there-still-a-penalty-for-being-uninsured/#penaltystates In those states, the Medicaid programs should still be sending Form 1095-B.

Kay farrington
Kay farrington
1 month ago

My husband is self employed. I am a retired worker with a subsidized health insurance plan which covers us both. We are both enrolled in Medicare as our primary. Are our Medicare premiums deductible on schedule 1, line 17.

Louise Norris
Editor
1 month ago
Reply to  Kay farrington

I do not think so, but I would recommend that you reach out to a CPA for more details.

Worksheet 6-A in Publication 535 (https://www.irs.gov/pub/irs-pdf/p535.pdf) clarifies that you cannot take the self-employed health insurance deduction for any month in which you’re eligible for subsidized coverage made available by your own employer or your spouse’s employer.

I assume this also applies to subsidized coverage offered by former employers, if you’re enrolled in the plan. This approach would be similar to how access to premium tax credits is determined: People who are *eligible* for coverage from a current employer are generally not eligible for premium tax credits. But when it comes to employer-sponsored retiree health coverage, eligibility for tax credits is only eliminated if you’re actually enrolled in the retiree plan.

So my read of Publication 535 is that since you’re actively covered under an employer-subsidized health plan, the self-employed health insurance deduction is not available to you. But again, I would recommend that you consult with a CPA to be certain.

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