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How to Get Your 1095 Tax Form?

Healthcare Writer

Last updated April 16th, 2020

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Contact Your Insurer Directly

There’s only one place where you can get a copy of your 1095 tax form: your insurance company. Contact them directly — ONLY your insurer will have access to it and can provide you with a copy.

  • Click here if you purchased your plan via healthcare.gov.
  • If you get healthcare from your employer, contact your company’s benefits department.
  • If you found your coverage through our plan comparison tool, you’ll still need to contact your insurer; we don’t have access to anyone’s 1095 tax form.

How Can You Find Your Insurer?

Call the main number on the back of your insurance card. If you can’t find your insurance card, use a search engine to reach your insurance company. Even if you’re no longer enrolled, your insurance provider still has to promptly mail your Form 1095 if you request it.

What Is Form 1095?

It is a letter from your insurance provider that lists each month you had health insurance. You generally needed to have coverage for 9 months to avoid a tax penalty. That was only applicable up until the 2018 plan year. Form 1095 serves as proof for tax purposes.

It may also include the information that you’ll need to file for health tax credits, which can be a huge help to you.

Do You Need Form 1095 to Pay Your Taxes?

Your document may be called Form 1095-A, 1095-B, or 1095-C, depending on what type of health insurance you had last year.

  • If you expect a 1095-A, you will need the form before you finish your taxes. People who receive health insurance subsidies generally get Form 1095-A.
  • If you expect a 1095-B or a 1095-C, you can typically mail your taxes without the form, as long as you know whether or not you were insured. If you received health insurance through an employer or a government program like Medicaid or Medicare, you’ll probably get Form 1095-B or 1095-C.

How Many Forms Should You Expect?

You’ll receive a Form 1095 from each health plan you had over the past calendar year.

You won’t receive one if you didn’t have health insurance during the previous year since the form comes from your insurance carrier.

What If You Had A Short-Term Plan?

Short-term plans, also known as temporary health insurance, cannot send you Form 1095. These are plans specially designed to be temporary – they’re not the same thing as having comprehensive health insurance for a limited period. These plans do not count as health insurance under the Affordable Care Act.

When Should You Receive Form 1095?

Since your taxes are due on April 15, you should generally expect to receive it by March.

HealthCare.com CANNOT Provide Your Form 1095

HealthCare.com connects you to health insurance brokers, who are unable to transfer you to health insurance customer service. Our partners would not know whether or not you had health insurance last year. Our partners do not have the information required to provide you with Form 1095. You will have to directly contact your insurer for Form 1095.

What Other Forms May You Need?

Did You Receive a Premium Tax Credit?

If so, then you may need to fill out Form 8962. This applies if you signed up for a health insurance plan through the Marketplace and received a subsidy. You have to reconcile what your actual income versus the estimated income used when you applied for insurance coverage. This affects the amount of your tax credit.

Do Tou Need to File for an Exemption?

If so, then you need to fill out Form 8965. This applies if you file for an exemption for not having an insurance policy that met minimum essential coverage. Such plans cover at least 60 percent of average medical costs and provide 10 essential health benefits, including preventative care, ambulatory and pediatric services. This applies only up to the 2018 tax year. The Tax Cuts and Jobs Act of 2017 eliminated the penalty and the need for taxpayers to file Form 8965 with their tax return.

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