How to Find Your Form 1095-A Online
If you had health insurance through the Marketplace (HealthCare.gov, or kynect if you live in Kentucky), you'll need Form 1095-A to file your taxes. Here's how to find and download it.
What is Form 1095-A?
Form 1095-A, Health Insurance Marketplace Statement, is a tax form that shows the months you and your family members had health coverage through the Marketplace, the amount of premium paid, and any advance premium tax credit (APTC) you received.
Why You Need It
- • Required to complete Form 8962 (Premium Tax Credit)
- • Reconcile advance credits received during the year
- • Claim additional premium tax credit if eligible
- • May affect your refund or amount owed
When to Expect It
- Available by January 31 each year
- May arrive by mail (if you opted in)
- Always available in your HealthCare.gov account
- Covers the previous calendar year
Important: You must file Form 8962 with your tax return if you or anyone in your household enrolled in Marketplace coverage and received advance payments of the premium tax credit. Without your 1095-A, you cannot complete this form.
What Changed for 2026: Enhanced Subsidies Expired, the 400% Cliff Is Back
The enhanced premium tax credits enacted in 2021 applied only to tax years 2021 through 2025 (IRC 36B(b)(3)(A)(iii) and 36B(c)(1)(E)). As of October 2026, Congress has not extended them, so three things changed for 2026 coverage:
- • The 400% of federal poverty level cliff returned. Under IRC 36B(c)(1)(A), a household with income above 400% of the poverty line is not eligible for any premium tax credit. If the Marketplace advanced credit to you during 2026 and your final household income lands above 400% FPL, every dollar of that advance credit is repaid on Form 8962 with your 2026 return.
- • The repayment cap is gone at every income level. Through 2025, households under 400% FPL had their repayment limited by a table in IRC 36B(f)(2)(B). P.L. 119-21 (the One Big Beautiful Bill Act) struck that limitation for tax years beginning after December 31, 2025, so for 2026 any excess advance credit is repaid in full regardless of income.
- • The share of income you are expected to pay toward premiums went up. The applicable percentage table reverted to the pre-2021 indexed schedule, so the credit is smaller at the same income than it was in 2025.
What this means for you: Your Form 1095-A shows the advance credit paid on your behalf each month (Part III, column C). If your income rose during 2026, or you were near the 400% line, expect a balance due on Form 8962. You can reduce that exposure during the year by reporting income changes to the Marketplace, choosing to take less of the credit in advance, or planning to keep your modified AGI lower (for example, through pre-tax retirement contributions). Extra withholding or estimated payments can cover a repayment, but they don't reduce the amount you owe back.
Household income for this test is modified AGI for everyone on the return, and the poverty line used is the one in effect when open enrollment for that coverage year began (IRC 36B(d)(3)). We run the Form 8962 math for every client who receives a Form 1095-A, so send yours with your other documents.
Step-by-Step: Download Your 1095-A from HealthCare.gov
These steps are for HealthCare.gov, which serves Indiana and most other states. Kentucky residents use kynect instead; see the Kentucky section below.
Log In and Select Your 2026 Application
Log in to your Marketplace account at HealthCare.gov and select your 2026 application, not your 2027 application.
Finishing a 2025 return on extension? Select the 2025 application instead; the same steps apply.
Important: Make sure to select the 2026 application for your 2026 tax year 1095-A, not the 2027 application.
Select "Tax Forms" from the Menu
Once you're in your 2026 application, look for "Tax Forms" in the menu on the left side of the page and click on it.
Download Your 1095-A PDF
Under "Your Form 1095-A", select "Download PDF". If you see more than one form for the same plan, download the most recent one: a "Corrected" form replaces the original, and a form marked "Voided" should not be used. After downloading, save the PDF to your computer.
Tip: If you receive a corrected Form 1095-A, use it in place of the original. If you already filed using the original, let us know; you may need to file an amended return.
Print a Copy for Your Records
Open your saved file. Select "File" in the top left, and "Print" to print a copy for your records.
Success! Keep this form with your tax documents. You'll need the information from Parts I, II, and III to complete Form 8962.
Kentucky Residents: Your 1095-A Is on kynect, Not HealthCare.gov
Kentucky runs its own state-based Marketplace, kynect. If you bought coverage through kynect, HealthCare.gov has no record of your plan and the steps above will not find your form. kynect issues your Form 1095-A, mails it early in the year, and posts it in your kynect account.
- Log in at kynect.ky.gov with your Kentucky Online Gateway (KOG) account.
- Open your benefits dashboard and find your 2026 health coverage.
- Go to Documents or Notices and download Form 1095-A, Health Insurance Marketplace Statement.
- Check that Part III lists every month you had coverage and the advance credit paid each month.
If the form is missing or wrong, contact kynect at 1-855-459-6328, not the federal Marketplace Call Center. Indiana residents are not affected: Indiana uses HealthCare.gov.
Have more than one 1095-A?
You may have more than one Form 1095-A if:
- • Your household enrolled in more than one Marketplace health plan
- • You reported a life change during the year
If the Marketplace-assigned policy number in Box 2 is the same for all forms, use the most recent form.
Get more information on what to do if you have more than one 1095-A at IRS.gov.
Important Tips
Check All Household Members
Verify that all family members who were covered are listed on the form. Each person covered should appear in Part I of the 1095-A.
Verify Coverage Dates
Make sure the months of coverage shown in Part III match the months you actually had Marketplace insurance. Report any discrepancies to HealthCare.gov.
Contact Support if Needed
If your form is missing, incorrect, or you need a corrected 1095-A, contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).
Keep a Copy
Save a copy of your 1095-A with your tax records. You should keep tax documents for at least 3 years in case of an IRS inquiry.
Need Help With Your Tax Return?
Filing taxes with Marketplace coverage can be confusing. Our tax professionals can help you complete Form 8962 accurately.
How Can I Learn More?
To learn more about coverage through the Marketplace or your benefits and protections, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596.
TTY users can call 1-855-889-4325.