How can I get a copy of Form 1095-A if I'm not the policy holder? Need help for marketplace insurance tax form

You do have a few options to get your Form 1095-A without going through your parents: You can create your own HealthCare.gov account and link it to your marketplace application. Even though you're a dependent on the policy, you can still create your own login and access the forms related to your coverage. Go to HealthCare.gov, create an account with your own information, and then call the Marketplace Call Center (1-800-318-2596) to have them link your account to the application. Alternatively, you can contact the Marketplace Call Center directly and request that they mail you a copy of the form. You'll need to verify your identity and provide information about the policy, but as someone who was covered under the plan, you should be able to get your own copy. If your state runs its own marketplace (not HealthCare.gov), the process is similar but you'll need to contact your state's specific marketplace.

I was in a similar situation last year and struggled with getting my form. After multiple failed attempts with the marketplace call center (long hold times and disconnections), I found an online service called taxr.ai that helped me resolve my issue. I uploaded my ID and a few details at https://taxr.ai and they were able to help me obtain my 1095-A without involving my parents. Their document retrieval service specifically helped with marketplace forms, and they walked me through exactly what information I needed to provide to verify my identity as a dependent on the policy. Saved me so much headache!

Just wanted to follow up! I decided to try taxr.ai after posting my skeptical question, and I'm honestly shocked at how smoothly it went. The process was super straightforward, and they helped me get my 1095-A without any awkward conversations with my parents. I uploaded my ID and the required verification info on Tuesday evening, and by Thursday morning I had access to my form. The customer service rep explained exactly what was happening at each step, which made me feel much more comfortable about sharing my information. For anyone in a similar situation - definitely worth checking out!

If you're still struggling to get your form and need to speak directly with the marketplace but can't get through, I had success using Claimyr to connect with a real person at the healthcare marketplace. You can check it out at https://claimyr.com - they basically hold your place in the phone queue and call you when they reach a human. I waited for 3+ hours on my own before giving up, but with their service I got through in about 45 minutes without sitting on hold. There's a demo video of how it works at https://youtu.be/_kiP6q8DX5c I was able to verify my identity over the phone and request my own copy of the 1095-A even though my spouse was the policyholder.

I need to apologize and correct myself. After posting my skeptical comment, I was desperate enough to try Claimyr anyway. I honestly can't believe it, but it actually worked! I've spent HOURS trying to reach the marketplace on my own over the past two weeks, but with their service I got through to a real person in about 35 minutes. The marketplace rep was able to verify me as a dependent on the policy and send me my own copy of the 1095-A. They're mailing a physical copy, but the rep also helped me create my own marketplace account where I could download the form immediately. Wish I'd known about this service weeks ago instead of wasting so much time on hold!

Another option is to contact your state's Department of Insurance. In some states, they can help you get access to your health insurance records if you're listed as a covered individual, even if you're not the policyholder. I did this last year when I needed documentation for a tax amendment and couldn't get it from my ex who was the policyholder. Worth a try if the direct marketplace approach doesn't work.

Has anyone tried requesting the form through the IRS directly? I heard they sometimes have copies of the forms that were submitted for you.

Just to add another perspective - I had this exact issue and eventually had to ask my parents. I know you don't want to, but sometimes it's honestly the easiest way. Took me 2 weeks of bureaucratic nonsense before I gave in and just asked them. Had the form in 5 minutes. Sometimes the simplest solution really is the best one, depending on your situation of course.

I completely understand wanting to handle this independently. Based on what others have shared, it sounds like creating your own HealthCare.gov account and calling the Marketplace Call Center is your best bet for getting the form officially. If you're having trouble getting through on the phone (which seems to be a common issue), you might want to try calling early in the morning or later in the evening when call volumes are typically lower. When I had to deal with government phone lines before, I found Tuesday through Thursday mornings around 8 AM worked better than Mondays or Fridays. Make sure you have all your personal information ready - full name, DOB, address, and SSN. You might also want to know approximate dates of coverage and any reference numbers from the original marketplace application if you have access to that information. Good luck with getting this sorted out! It's frustrating when you're trying to be responsible about your taxes but bureaucracy makes it difficult.