How do I get my 1095-A form or determine my SLCSP without it?

The 1095-A form comes from the Marketplace (healthcare.gov or your state exchange), not from your insurance company. If you don't have it yet, there are a few ways to get it: First, log into your Marketplace account and check the tax forms section specifically, not just your inbox. Sometimes they're in a separate area of your account. Look for a section called "tax documents" or "forms" in your account dashboard. If you still can't find it, you can call the Marketplace directly at 1-800-318-2596 and request that they resend your 1095-A. They can either mail you a new copy or sometimes provide access electronically. As for determining your SLCSP without the 1095-A, unfortunately that's difficult because the SLCSP isn't just your plan - it's the second lowest cost silver plan available in your area for your family size, which changes by county and can change monthly. The Marketplace calculates this specifically for you.

I went through the exact same thing last year and found a solution! You should try using taxr.ai to help sort this out. I had a similar situation where my 1095-A was nowhere to be found, but I had all these random premium statements and emails. I uploaded those to https://taxr.ai and it actually helped me figure out my SLCSP values and organize all my health insurance information. Their system can analyze your Marketplace messages and premium statements to help reconstruct the information you'd typically find on a 1095-A. It saved me from having to wait another 3 weeks for a replacement form from the Marketplace.

Just wanted to update - I tried taxr.ai after posting my skeptical comment above, and I'm actually impressed! I uploaded my premium statements and some Marketplace emails, and while it couldn't magically create a 1095-A out of nothing, it did something really helpful. It extracted all the premium amounts I paid by month and organized everything in a way that made it clear exactly what information I was missing. It also gave me step-by-step instructions for using the healthcare.gov SLCSP lookup tool with my specific county and family situation. I was able to get all the information I needed to complete my taxes without waiting for the replacement 1095-A to arrive. Definitely worth checking out if you're in the same boat!

Another option - if you're still waiting for your 1095-A and getting nowhere with the Marketplace website, try Claimyr to get through to a real person at the Marketplace. I spent HOURS trying to get through the regular phone line last year with no luck. With https://claimyr.com they got me a callback from an actual Marketplace rep in about 20 minutes. Check out how it works: https://youtu.be/_kiP6q8DX5c The rep I spoke with was able to access my 1095-A and email me a copy immediately, plus explained exactly why I hadn't received it (turns out they had an old email address). Saved me days of waiting for snail mail.

I feel ridiculous posting this after my skeptical comment above, but I actually broke down and tried Claimyr yesterday out of desperation. I had been trying to reach the Marketplace for THREE DAYS with no success (always disconnected after 45+ minutes on hold). I was genuinely shocked when I got a call back with an actual Marketplace representative on the line in less than 30 minutes. The rep was able to see that my 1095-A had been generated but wasn't showing up in my online account due to a system error. They emailed me a copy on the spot, and I was able to file my taxes last night. I still think it's absurd that we need services like this to access government agencies, but I can't deny it worked when nothing else did.

Just a heads up that even if you can't get your 1095-A right away, you could file Form 4868 for an automatic tax extension. That gives you until October 15 to file your actual return while still meeting the April deadline. You'd need to estimate and pay any taxes you think you might owe by the regular deadline, but it at least gives you breathing room to get all your documents in order.

Has anyone had issues where their 1095-A shows different premium amounts than what they actually paid? My form finally showed up but some of the monthly premium amounts are off by like $20-30 compared to what was actually taken from my bank account. Should I just use the numbers on the form anyway?

I'm dealing with this exact same situation right now! Still waiting on my 1095-A and it's driving me crazy. I called the Marketplace number that Mei mentioned (1-800-318-2596) twice last week and both times got disconnected after being on hold for over an hour. One thing I discovered that might help others - if you log into your Marketplace account and go to the "Plan Management" section, sometimes there's a "View Tax Documents" link that's separate from your regular inbox. Mine wasn't showing up in messages either, but I found a PDF download link buried in there. Also wanted to mention that if you were on Medicaid for the full year like the original poster mentioned, you might not even need the 1095-A depending on your situation. If you didn't receive any advance premium tax credits, the 1095-A requirements might not apply to you. Worth checking with a tax professional or using the IRS interactive tax assistant online to see if you actually need it for your specific circumstances. Thanks everyone for sharing the various tools and services - definitely going to try some of these if my form doesn't show up soon!

I'm a tax preparer and see this situation frequently during tax season. Here are a few additional points that might help: If you were on Medicaid for the entire year and didn't receive any advance premium tax credits (APTC), you typically won't need Form 1095-A for your tax return. The 1095-A is primarily needed when you received APTC that needs to be reconciled with the Premium Tax Credit on your tax return. However, if you paid premiums for any months and received APTC, you'll definitely need the form. For those still waiting, here's what I tell my clients: 1. The Marketplace is legally required to provide a corrected or replacement 1095-A within 30 days of your request 2. You can file Form 8962 (Premium Tax Credit) without the 1095-A if you have all the required information from other sources, but this increases audit risk 3. If you're missing the SLCSP amounts specifically, the healthcare.gov lookup tool mentioned earlier is your best bet - just make sure you're using the correct effective dates for each month One last tip: if you received unemployment benefits in 2024, there may be additional Premium Tax Credit provisions that apply to your situation, so definitely consult the IRS guidance or a tax professional.

I just went through this nightmare myself and wanted to share what finally worked for me. After weeks of trying to get my 1095-A, I discovered that my state exchange (not healthcare.gov) had a completely separate portal for tax documents that I didn't even know existed. If you're in a state that runs its own marketplace (like California, New York, Massachusetts, etc.), definitely check your state exchange website directly rather than just healthcare.gov. I found mine by googling "[my state] health insurance marketplace tax forms" and it led me to a different login portal than the one I'd been using all along. Also, for anyone dealing with the SLCSP calculation - I learned that if you had coverage changes during the year (like switching from marketplace to Medicaid or vice versa), the SLCSP amount can actually change month to month based on your circumstances. So even if you find the lookup tool, make sure you're calculating it separately for each month you had marketplace coverage, not just using one annual amount. One more thing - if you're really stuck and need to file soon, some tax software will let you enter estimated amounts and then amend your return later when you get the actual 1095-A. Not ideal, but it's an option if you're facing deadlines.