Form 1095-A explained
Updated November 2026
If you had Marketplace coverage, the Marketplace sends Form 1095-A by February 1. It reports the information you need to complete Form 8962 and reconcile your premium tax credit. You can usually download it from your HealthCare.gov or state Marketplace account.
Part III, line by line
| Column | What it shows |
|---|---|
| A | Monthly enrollment premium: the full price of your plan before any subsidy. |
| B | Monthly premium for the second-lowest-cost Silver plan (SLCSP), the benchmark used to calculate your credit. |
| C | Monthly advance payment of the premium tax credit: the subsidy paid to your insurer. |
Lines 21–32 cover January through December; line 33 shows annual totals.
Common issues
- More than one 1095-A: add columns A and C across forms, but use column B from only one form for each month.
- Column B is blank or $0: use the HealthCare.gov tax tool or contact your state Marketplace to find your benchmark premium.
- The form looks wrong: contact the Marketplace to request a corrected form before filing.
Upload your 1095-A (PDF or photo) and we will fill in the numbers for you. The file is read on your device and is never uploaded.
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This guide is general information, not tax advice. Clawback Check is not affiliated with HealthCare.gov, any state Marketplace, or the IRS.