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Notice:
Form 1095-A & your federal taxes
You should get your 1095-A form by mail no later than mid-February. It may be available in your Marketplace account as soon as mid-January. Once you have it, follow the steps below.
You must file a federal tax return for 2023 — even if you usually don't file or your income is below the
The minimum amount (or threshold) of income requiring you to file a federal tax return. 2023 filing requirements for most taxpayers: Gross income of at least $13,850 (individuals) or $27,700 (married filing jointly). Different thresholds apply for dependents, people 65 and older, and those who use other tax filing statuses (like married filing separately).
Refer to glossary for more details.
1. Find your Form 1095-A, Health Insurance Marketplace® Statement
- Log into your account (select your 2023application, not your 2024application, and select "Tax Forms"). You’ll also get a copy by mail.
- Don’t file your 2023taxes until you have an accurate 1095-A.
- Learn how to find and use your 1095-A.
2. Make sure your 1095-A is correct — and if not, call us
- Confirm basic information about your health plan and household members on Parts I and II of the form. Finderrors? Contact the Marketplace Call Center.
- Make sure the premium for your is correct. Learn how to check your SLCSP.
The second-lowest priced Marketplace health insurance plan in the Silver category that applies to you. It may not be the plan you enrolled in. You need to know your second lowest cost Silver plan (SLCSP) premium to figure out your final premium tax credit. In most cases, you’ll find your SLCSP premium on Form 1095-A.
Refer to glossary for more details.
- If it’s not, use our use our tax tool to get your SLCSP.
3. Fill out Form 8962 to "reconcile"
- Use the information from your 1095-A to fill out Form 8962, Premium Tax Credit.
- Use Form 8962 to “” your premium tax credit — compare the amount you used in 2023 to lower your monthly plan premium with the actual premium tax credit you qualify for based on your final 2023income. Any difference will affect your refund or tax owed.
How you find out if you used the right amount of premium tax credit during the year. To reconcile, you compare two amounts: the premium tax credit you used in advance during the year; and the amount of tax credit you qualify for based on your final income. You’ll use IRS Form 8962 to do this. If you used more premium tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you’ll get the difference as a credit.
Refer to glossary for more details.
- Get a step-by-step guide to reconciling your premium tax credit.
4. Attach Form 8962 when you file your federal tax return
- But don't attach your 1095-A. Keep it with your other tax documents.
Health care tax resources
Tax guides and tools
- Guide to using Form 1095-A
- IRS information on Form 1095-A
- Step-by-step guide to reconciling your premium tax credit
- Health coverage tax tool (use only if your second lower cost Silver plan is missing or wrong)
Tax forms & instructions
- Form 1040, U.S. Individual Income Tax Return (PDF, 147 KB) and Form 1040 instructions (PDF, 4.1 MB)
More than one type of coverage?
If you had a Marketplace plan withthe premium tax credit for only part of 2023, or other household members had different coverage, select the other coverage:
- Marketplace plan without the premium tax credit
- Job-based coverage
- Other coverage
- No coverage
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