How do I get a missing Form 1095-A?

How to get Form 1095-A from HealthCare.gov

1. Sign in to your HealthCare.gov Marketplace account.
2. Choose the application for the tax year you are filing. Do not automatically choose the current coverage year.
3. Select “Tax forms.”
4. Download Form 1095-A.
5. If more than one form appears, review all of them.
6. If a form is marked CORRECTED, use the corrected form.
7. If a form is marked VOID, do not use it to prepare Form 8962.

Can I get Form 1095-A from my IRS Online Account?

Yes, in many cases. Current IRS guidance says taxpayers can sign in to IRS Individual Online Account and look under Records and Status to view and download available Form 1095-A documents.

Only forms issued in your name will appear. If a Form 1095-A was issued to your spouse, your spouse may need to sign in to their own IRS account. A separately enrolled dependent may also need to retrieve a form issued in their own name.

What if I used a state Marketplace?

If you purchased coverage through a state-based Marketplace, use that Marketplace's website and account instead of HealthCare.gov. The IRS says state Marketplaces can provide an electronic copy of Form 1095-A through the state Marketplace account.

If you cannot find the form online, contact the state Marketplace directly.

What if I cannot find my Marketplace application?

HealthCare.gov says to select the application for the year you need. If it is not visible, use the Marketplace account options for locating a prior application. You may need the application ID, coverage year and state.

If you still cannot access the application, contact the Marketplace Call Center for help unlocking the account, resetting access or locating the application.

What if there is more than one Form 1095-A?

You may have more than one 1095-A because of a policy change, a household change, multiple policies or a corrected statement.

Review every form for the tax year. Do not assume one statement covers the entire year.

What if my 1095-A says CORRECTED?

Use the corrected Form 1095-A instead of the earlier version for that policy.

Read the corrected Form 1095-A guide →

What if my 1095-A says VOID?

HealthCare.gov and the IRS say not to use a voided Form 1095-A to prepare your tax return. A voided statement means the Marketplace says that form was issued in error for that policy.

What if the form is missing or incorrect?

If you cannot locate Form 1095-A in the Marketplace account, contact the Marketplace Call Center. If the form contains incorrect enrollment or policy information, contact the Marketplace that issued it.

The IRS cannot reissue or correct Form 1095-A because the form is created by the Marketplace.

What if Column B is missing or wrong?

HealthCare.gov provides a tax tool for determining the applicable second-lowest-cost silver plan premium when the Column B amount is missing or incorrect and the tax instructions allow you to determine it.

Do not guess the SLCSP amount. Use the Marketplace tax tool and the IRS Form 8962 instructions.

What if my spouse has the missing 1095-A?

If the form was issued to your spouse, it may appear only in the spouse's Marketplace or IRS Online Account. On a joint return, review both spouses' Marketplace records.

What if my dependent has the missing 1095-A?

A separately enrolled dependent may have a Form 1095-A issued in their own name. If you claim that dependent and APTC was paid for their coverage, you may need the dependent's Form 1095-A to complete Form 8962.

Read the dependent Marketplace insurance guide →

What if my return already rejected with F8962-070?

The IRS says F8962-070 means the return is missing Form 8962 when IRS records show that APTC reconciliation is required.

Retrieve the correct Form 1095-A, then refile by completing and including Form 8962 or, when appropriate, providing a written explanation for why Form 8962 is absent.

Read the complete F8962-070 guide →

Should I file without Form 1095-A?

If you are expecting Form 1095-A and need it to complete Form 8962, do not file using guessed Marketplace amounts. HealthCare.gov advises taxpayers not to file until they have an accurate 1095-A when one is required.

Step-by-step checklist

1. Confirm the tax year.
2. Check HealthCare.gov or your state Marketplace account.
3. Check IRS Individual Online Account.
4. Check spouse and dependent records.
5. Download all 1095-A forms for the tax year.
6. Use the corrected version when applicable.
7. Do not use a voided form.
8. Contact the Marketplace if the form is missing or wrong.
9. Use the form to complete Form 8962 when required.

Common questions

Can the IRS mail me another 1095-A?

No. The IRS says it cannot answer questions about the information on Form 1095-A, reissue a lost or missing form, or issue a corrected form. Contact the Marketplace that issued the coverage.

Can I use a 1095-B or 1095-C instead?

No. Those forms report different health coverage information and do not replace a Marketplace Form 1095-A for Form 8962 purposes.

Can RefundIQ help me find the correct 1095-A?

Yes. Have the tax year, Marketplace involved and any rejection code ready. Do not send Social Security numbers, banking information or complete tax documents through an ordinary website message.

Read the RefundIQ 1095-A rejection hub →

Missing Form 1095-A overview →

1095-A vs. 1095-B vs. 1095-C →