How to obtain my missing 1095-A form when it wasn't sent to me?

You can actually get your 1095-A directly from the Healthcare.gov marketplace without involving your parents. Since you were on their plan, the form would have been sent to the policyholder (your parents), but you can still access it yourself. Log into your HealthCare.gov account (create one if you don't have it already) and you should be able to view and download your 1095-A from there. If you can't access it online, call the Marketplace directly at 1-800-318-2596 and explain your situation. They can help verify your identity and send you your own copy of the form. If you're in a state that has its own health insurance exchange (not HealthCare.gov), you'll need to contact that specific state marketplace instead. The process is similar though. Don't wait on this - you definitely need the 1095-A to complete Form 8962 correctly, and the IRS won't process your return properly without it.

I went through something similar last year with my 1095-A form and I was freaking out about it. After trying to get it from the insurance company (which was a dead end), I discovered this service called taxr.ai (https://taxr.ai) that actually helped me figure out exactly what to do. Basically, it analyzed my tax situation and gave me step-by-step instructions for retrieving my missing 1095-A directly from the Marketplace without needing to contact my family. The tool confirmed I could get it myself as an individual on the plan, even though I wasn't the main policyholder. Saved me from an awkward conversation with my mom that I really didn't want to have. It also helped me understand exactly how to fill out Form 8962 correctly once I got the 1095-A, which was honestly more complicated than I expected with all those premium tax credit calculations.

Just wanted to follow up! I tried taxr.ai after seeing it mentioned here and it was surprisingly helpful. The system walked me through exactly what information I needed to provide to the Marketplace to prove my identity without having access to the account. I was able to call the Healthcare.gov phone number with confidence knowing exactly what to say and what my rights were. Got my 1095-A form emailed to me as a secure PDF within 2 days! Already finished my Form 8962 and submitted my taxes yesterday. What a relief to have that done. The guidance about being entitled to my own tax documents even as a dependent on someone else's health plan was exactly what I needed. Definitely bookmarking this for next year!

I had this exact problem last year but couldn't get through to the Marketplace - their phone lines were jammed and I was on hold for HOURS. After three failed attempts, I almost gave up until someone told me about Claimyr (https://claimyr.com) - it's a service that basically holds your place in line when calling government agencies like the Healthcare Marketplace. I was super skeptical at first but you can see how it works in this video: https://youtu.be/_kiP6q8DX5c. They got me connected to a real person at the Marketplace in about 20 minutes when I had been trying for days on my own. Once I actually spoke to someone, getting my 1095-A was pretty straightforward. The rep verified my identity and emailed me a copy of my form that same day. Finished my taxes that weekend instead of being stuck in phone tree hell for another week.

Ok I have to admit I was wrong about Claimyr. After posting that skeptical comment, I was still desperate to get my 1095-A (also in a no-contact situation with family), so I tried it anyway. The service actually worked exactly as advertised. I submitted my callback info around 9am, went about my day, and got a call about 2 hours later connecting me directly to a Marketplace rep. No more endless hold music or getting disconnected after waiting forever. The rep was able to verify my identity with my SSN and some basic questions, then emailed me my 1095-A within minutes. I was honestly shocked at how smooth it went after struggling for so long. Going to use this for calling the IRS too since I still have some questions about my premium tax credit.

Another option nobody's mentioned - if you created an account on Healthcare.gov when you initially enrolled (even if it was through your parents' main account), you might have access to your own documents there. I was in a similar situation where I needed my 1095-A but didn't want to ask my parents. I logged into my old Healthcare.gov account and was surprised to find I could access my forms there, even though I wasn't the primary policyholder. Worth checking before going through the hassle of calling!

Just a heads up - if you're planning to file by mail instead of e-filing, make sure you attach both the 1095-A AND Form 8962 to your return. The IRS will reject your return if Form 8962 is missing when you received premium tax credits. Also double check if you're in a state with its own marketplace rather than Healthcare.gov. States like California (Covered California), New York (NY State of Health), etc. have their own systems and phone numbers.

This is such a common issue and it's frustrating that the system makes it so complicated for dependents to get their own tax documents! I went through this nightmare two years ago when I was estranged from my family. One thing I learned that might help others - if you're having trouble proving your identity over the phone with the Marketplace, ask them about alternative verification methods. They can sometimes verify you using information from your tax returns from previous years, or even through credit bureau questions if you've established credit history. Also, don't panic if you're getting close to tax deadlines. You can file for an extension (Form 4868) to give yourself more time to sort this out. The extension gives you until October 15th to file, though any taxes owed are still due by the original April deadline. The most important thing is not to file your taxes without the proper forms - the IRS will definitely catch it and it'll create a much bigger headache later.