Form 1095-A (2025), Health Insurance Marketplace Statement

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What is Form 1095-A?

Form 1095-A, Health Insurance Marketplace Statement, is the IRS form that Health Insurance Marketplaces use to report information about people who enrolled in a qualified health plan through the Marketplace. The Marketplace files it with the IRS and sends you a copy so that you can take the premium tax credit, reconcile the credit on your return with any advance payments of the credit, and file an accurate tax return.

You do not fill out Form 1095-A yourself. The IRS publishes the form for informational purposes only; it is completed by the Marketplaces. The current form is the 2025 Form 1095-A, for coverage in calendar year 2025. The blank above is the official 2025 layout, so you can see where each figure of your statement comes from.

Who sends Form 1095-A

Health Insurance Marketplaces file Form 1095-A for every enrollment in a qualified health plan in the individual market through the Marketplace. It is not issued for a catastrophic health plan or a stand-alone dental plan, and coverage under those plans does not entitle you to the premium tax credit even if you did receive a Form 1095-A for it.

If you or your family members enrolled in more than one qualified health plan policy, you receive a separate Form 1095-A for each policy. If you bought coverage through HealthCare.gov, your statement is also available in your Marketplace account under "Tax forms"; state-based Marketplaces have their own websites.

What to do with Form 1095-A

Form 1095-A gives you the information you need to complete Form 8962, Premium Tax Credit. You must complete Form 8962 and file it with your tax return (Form 1040, 1040-SR or 1040-NR) if any amount other than zero is shown in Part III, column C, of your Form 1095-A (advance payments of the premium tax credit were made for your coverage), or if you want to take the premium tax credit. This applies whether or not you are otherwise required to file a return.

Check the statement carefully. If the information looks wrong, or you think you should not have received a Form 1095-A, contact your Marketplace Call Center (for the federally facilitated Marketplace, see healthcare.gov/contact-us). Do not use a VOID form or the earlier Form 1095-A it voids to prepare Form 8962; a form with the CORRECTED box checked replaces the original and is the one to use.

What Parts I, II and III of Form 1095-A show

  • Part I, Recipient Information: the Marketplace identifier and policy number, the policy issuer, the recipient and spouse, and the policy start and termination dates.
  • Part II, Covered Individuals: the covered individuals listed on your statement with their coverage start and termination dates.
  • Part III, Coverage Information: for each month, column A the enrollment premiums, column B the second lowest cost silver plan (SLCSP) premium, and column C the advance payment of the premium tax credit. Use these figures with the Form 8962 instructions, not as an automatic transcription.

How to read Form 1095-A

Step 1: Open the 2025 layout above to see where each figure of your statement comes from. Step 2: Find your policy details in Part I and check the names and dates of every covered individual in Part II. Step 3: Read Part III month by month: column A enrollment premiums, column B the second lowest cost silver plan premium, column C advance payments of the premium tax credit. Step 4: File Form 8962 with your return if Part III, column C has a nonzero amount or you are claiming the premium tax credit. Use your Marketplace-issued statement and the Form 8962 instructions, including their rules for missing, zero or incorrect column B amounts. Step 5: If a figure looks wrong, contact your Marketplace Call Center before you use the statement. Do not use a VOID form or the earlier Form 1095-A it voids to prepare Form 8962.

Form Versions

2023 Fillable Form 1095-A for 2023 tax year Fill Out Form
2022 Fillable Form 1095-A for 2022 tax year Fill Out Form
2021 Fillable Form 1095-A for 2021 tax year Fill Out Form
2020 Fillable Form 1095-A for 2020 tax year Fill Out Form

FAQ

  • Where do I get my Form 1095-A?

    From the Marketplace where you enrolled, not from the IRS. If you enrolled through HealthCare.gov, it is in your Marketplace account under "Tax forms". The blank on this page is the IRS informational copy of the 2025 form.

  • Can I fill out my own Form 1095-A?

    No. The IRS says individuals cannot complete and use the Form 1095-A published on IRS.gov; the form is completed by the Marketplaces.

  • Do I attach Form 1095-A to my tax return?

    No. The IRS copy is marked "NOT FOR FILING". You use the statement's figures, with the Form 8962 instructions, to complete Form 8962, Premium Tax Credit, and you file Form 8962 with your return if advance credit payments are shown in Part III, column C, or if you want to take the credit.

  • What if my Form 1095-A is wrong or I should not have received one?

    Contact your Marketplace Call Center. A corrected statement has the CORRECTED box checked and replaces the original. Do not use a VOID form or the earlier Form 1095-A it voids to prepare Form 8962.

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