Never received Form 1095-A? Here is where to find it.

What is Form 1095-A?

Form 1095-A, Health Insurance Marketplace Statement, reports Marketplace coverage information used to complete Form 8962, Premium Tax Credit. It can show monthly premiums, the applicable second-lowest-cost silver plan amount and advance payments of the Premium Tax Credit.

If advance premium tax credit payments were made for you or someone in your tax family, the IRS generally requires Form 8962 to reconcile those payments on the federal return.

Where can I find a missing Form 1095-A?

1. Check your Marketplace account. Sign in to HealthCare.gov or the state Marketplace where the coverage was purchased and look for the tax form for the correct year.
2. Check your IRS Individual Online Account. The IRS says Form 1095-A may be available under the Records and Status tab.
3. Check every person on the return. A spouse or dependent may have been enrolled separately and may have a Form 1095-A issued in their own name.
4. Contact the Marketplace if the form is missing or incorrect. The Marketplace that issued the coverage is the source for correcting Marketplace enrollment information.

Can I get Form 1095-A from my IRS account?

Yes, for many taxpayers. Current IRS guidance says taxpayers who do not have Form 1095-A can sign in to an IRS Individual Online Account and look under Records and Status to view and download the statement.

There is an important limitation: only documents issued in your name appear in your account. If you file jointly, a Form 1095-A issued to your spouse may appear only in the spouse's account. If a dependent enrolled separately and received their own statement, that dependent's account may be the place to retrieve it.

What if my spouse received the 1095-A?

If the Marketplace statement was issued in your spouse's name, have the spouse check their Marketplace account and IRS Online Account. Do not assume that every 1095-A connected with a joint return will appear in the primary taxpayer's IRS account.

What if my dependent had Marketplace insurance?

A dependent's Marketplace coverage can affect the tax return even when the taxpayer personally did not enroll in a Marketplace plan. IRS guidance specifically tells taxpayers with F8962-070 to determine whether a dependent was separately enrolled and has a Form 1095-A.

If the dependent received a 1095-A in their own name, that document may need to be retrieved from the dependent's Marketplace or IRS account and reviewed for the Form 8962 reconciliation.

What if I never had Marketplace insurance?

Do not automatically add made-up 1095-A information. First check whether a spouse or dependent had Marketplace coverage or whether Marketplace records exist under another member of the tax family.

If you determine that Form 8962 is not required, the IRS says a taxpayer whose e-filed return was rejected for missing Form 8962 may refile with a written explanation for why Form 8962 is absent. Follow the current IRS guidance and your filing software's supported process for that explanation.

What if the IRS rejected my return with F8962-070?

F8962-070 generally means IRS records show that advance premium tax credit reconciliation is required but Form 8962 was not included with the e-filed return.

The IRS tells taxpayers to review health insurance records, including Form 1095-A, and then refile by either:

• completing and including Form 8962, or
• providing a written explanation for why Form 8962 is absent when appropriate.

Read our complete F8962-070 guide for the rejection-specific steps.

What if I have more than one Form 1095-A?

Do not assume one statement covers the entire year. Multiple 1095-A forms can exist because of policy changes, household changes or separate Marketplace enrollments. Review every statement for the tax year before completing Form 8962.

What if I received a corrected Form 1095-A?

Use the corrected Marketplace statement when preparing Form 8962. If the Marketplace issues a corrected 1095-A, review the corrected amounts rather than continuing to rely on the original statement for that policy.

Is Form 1095-B or 1095-C a substitute for Form 1095-A?

No. Form 1095-A is the Marketplace statement used for the Premium Tax Credit reconciliation on Form 8962. Forms 1095-B and 1095-C report different health coverage information and do not replace a required Form 1095-A.

What should I do before resubmitting my return?

1. Save the complete IRS rejection.
2. Check the tax year.
3. Collect every 1095-A for the tax family.
4. Verify that each statement is the latest version.
5. Enter the 1095-A information into the correct tax-year software.
6. Complete Form 8962 when required.
7. If Form 8962 is not required, use the supported written-explanation process when applicable.
8. Resubmit and review the new IRS acknowledgment.

Common questions about a missing 1095-A

Can I file before I receive Form 1095-A?

If Marketplace information is required to complete Form 8962, filing without the needed statement can result in an e-file rejection or later IRS correspondence. Retrieve the correct Marketplace information before filing when it is required.

Can my tax preparer download my 1095-A?

Your preparer can help you identify what is needed, but access to a Marketplace or IRS Online Account belongs to the account holder. Use secure methods to provide tax documents to a preparer and do not send Social Security numbers or complete tax documents through an ordinary website message.

Why would I have a 1095-A if I do not remember buying Marketplace insurance?

Coverage may have involved a spouse or dependent, a policy may have been created through a Marketplace application, or records may need correction. Check the Marketplace and every person on the return before concluding that no Marketplace statement exists.

Can RefundIQ help with a missing 1095-A rejection?

Yes. Have the tax year and complete reject code ready. RefundIQ can help you identify which Marketplace records and tax forms need to be reviewed before the return is resubmitted.

Read the RefundIQ 1095-A rejection hub →

Read the F8962-070 reject-code guide →

Browse the IRS reject-code library →