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Health Insurance Marketplace Form 1095-A

No Health
Insurance Mandate

Attention: Starting with Tax Year 2019 there is no longer a Federal Mandate to have Health Insurance. You will only need to add Form 1095-A (not 1095-B or 1095-C) to your 2019 tax return here on eFile.com:  Prepare and eFile Your 2019 Taxes here on eFile.com.

As stated above, the individual mandate has gone away for your 2019 return. This means that you will no longer pay a penalty if you did not have health insurance in 2019. The eFile.com tax app let's you add this Form 1095-A during the online 2019 online tax return interview. Forms 1095-B and 1095-C are not required with your 2019 Tax Return. You are no longer required to report your health insurance on your return UNLESS you or a family member were enrolled in health insurance through the Marketplace and advance payments of the Premium Tax Credit were made to your insurance company to reduce your monthly premium payment. When you prepare your tax return on eFile.com, you can easily report and efile your healthcare information with your return. When you start a free tax return on eFile.com, we will automatically report the required information regarding your health insurance and the Premium Tax Credit on the correct tax forms.

At eFile.com, we cover all the health care tax forms in the following pages: 

  1. Form 1095-A-Health Insurance Marketplace Statement? (this page)
  2. Form 1095-B-Health Coverage
  3. Form 1095-C-Employer-Provided Health Insurance Offer and Coverage
  4. Form 8962-Premium Tax Credit
  5. Form 8965-Health Coverage Exemptions

When you prepare your tax return on eFile.com, answer a few simple tax questions and your health insurance information is automatically reported on your return. There's no need to mail any of the forms above to the IRS!

Form 1095-A

A 1095-A, Health Insurance Marketplace Statement, is a form you receive from the Health Insurance Marketplace (or Health Insurance Exchange) at healthcare.gov if you and your family member(s) purchased health insurance through the Marketplace for some or all of the year. On eFile.com, it's easy to report your 1095-A information. The eFile tax app will automatically select the tax form(s) for you to complete in order to report your 1095-A information for the Premium Tax Credit.

This form lists the following information about a Health Insurance Marketplace policy: 

  • who is enrolled in the policy
  • details about the coverage
  • the months when the individual was covered by the policy

You can possibly receive more than one 1095-A form if any of the following situations apply to you: 

  • all the members of your household were not enrolled in the same health plan
  • you updated your healthcare information and/or your family's healthcare information during the year (i.e. switched from one plan to another)
  • you and/or your family members are enrolled in plans from different states

When You Should Receive Form 1095-A

For Tax Year 2019, you should receive Form 1095-A from the Marketplace by January 31, 2020. If you do not receive your 1095-A by that date, visit your Marketplace's website for information on how to request a copy of your form online from the Marketplace. The IRS does not issue nor cannot provide you a copy of your 1095-A. 

How to Use Form 1095-A

You use the information from that form to report your advance payments of the Premium Tax Credit on Form 8962. The payments are on lines 21-33 of Form 1098-A. When you prepare your tax return on eFile.com, the software will help you report your payment information in the right section based on your answers to several tax questions.

Reporting Your 1095-A

You will need to file a tax return reporting the advance Premium Tax Credit amounts from that form (even if you are not required to file a return otherwise). When you prepare your return, include Form 8962 listing the advance payment amounts. Not filing your return will cause a delay in your refund and may affect your future advance credit payments. On eFile.com, it's easy to to report your advance payment amounts correctly on your tax return and efile it. We will do the calculations and generate the necessary forms to report your insurance for the Premium Tax Credit. You do not need to attach Form 1095-A to your return, so you can keep it with your tax records after you use the information from the form to prepare and efile your tax return on eFile.com.

If you have not received your 1095-A, the IRS recommends that you wait until you receive the form before preparing and filing your 2019 Tax Return. If you file your return before you receive the form, the IRS may delay your refund.

Premium Tax Credit

The Premium Tax Credit is a refundable credit you can claim on your tax return if you and/or your family has a low or moderate income (between 100 and 400% of the federal poverty line) to help you afford health insurance purchased through the Marketplace. 

To find out if you qualify for the Premium Tax Credit, prepare and efile your tax return on eFile.com! After you answer a few simple tax questions, eFile.com determine your eligibility and calculate your credit amount.

More Information on Health Insurance and Taxes

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