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1095-A Tax Form Problems: Missing, Wrong, or Confusing
Form 1095-A reconciles your actual ACA Marketplace subsidy on your taxes -- a missing or incorrect one is a real problem, but it's fixable, and it's not something GetFastRates or a licensed agent can edit directly.
If you had an ACA Marketplace plan during the year, the Marketplace sends Form 1095-A showing your coverage months and the subsidy (advance premium tax credit) paid on your behalf -- you need it to file your taxes correctly. Because the Marketplace itself issues and controls this form, only the Marketplace (not GetFastRates, not a licensed agent, and not the IRS directly) can correct or reissue it. This page explains what the form means and the honest, correct path to fixing a problem with it.
This is a Marketplace document, not something an agent can edit
A licensed agent can help you understand what the form means and how it affects your coverage decisions going forward, but correcting or reissuing an actual 1095-A has to go through the Marketplace directly (healthcare.gov or your state's Marketplace) -- setting the right expectation matters here.
A missing 1095-A usually means checking your Marketplace account first
The form is typically available in your online Marketplace account in mid-to-late January even if a mailed copy is delayed or lost -- checking there is usually faster than waiting on mail.
Wrong information on the form affects your tax filing, not your current coverage
An incorrect coverage month or subsidy amount on your 1095-A can change what you owe or are refunded when you reconcile the premium tax credit -- it's worth getting a corrected form before filing, not after.
Your next step
If reviewing your 1095-A also has you reconsidering your current coverage, start here.
Common questions
Where do I get a 1095-A if I never received one?
Check your online Marketplace account first (healthcare.gov or your state's Marketplace) -- it's typically posted there in mid-to-late January, often before or independent of a mailed copy. If it's genuinely not available there either, you'll need to contact the Marketplace directly.
Can a licensed insurance agent correct my 1095-A?
No -- the Marketplace issues and controls this form, so only the Marketplace can correct or reissue it. A licensed agent can help you understand what it means and review your coverage going forward, but can't edit the form itself.
What happens if I file my taxes with a wrong 1095-A?
Since the form is used to reconcile your actual premium tax credit, filing with incorrect information can affect what you owe or are refunded. It's generally worth getting a corrected form from the Marketplace before filing rather than after.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.