Molina Healthcare hasn't sent my 1095-A form yet for my taxes

Thank you! I'm not 100% sure if I signed up through the marketplace or directly with Molina. Do you know if there's a way I can figure this out? I tried calling Molina but their wait times are insane.

The most reliable way is to check if you have an account on Healthcare.gov or your state's marketplace website. If you purchased through the marketplace, you would have created an account there. Try logging in with your email. Another clue is whether you received any premium tax credits or subsidies that lowered your monthly payment. If you did, that almost certainly means you went through the marketplace, since premium subsidies are only available for marketplace plans. If you're still unsure, you can also check if you have any emails from Healthcare.gov or your state marketplace from when you initially signed up. Those would confirm you went through the marketplace.

Did you actually need to wait for the 1095-A to file your taxes? I'm in a similar boat and wondering if I can just go ahead and file without it?

I'm skeptical about these AI services with tax docs. How secure is it to upload all your personal info to some random website? And do they actually help you get the forms or just tell you what you're missing?

If you bought insurance through the marketplace and received any premium tax credits, you absolutely need the 1095-A to file correctly. Without it, you won't know the exact amount of premium tax credits you received, which is required for Form 8962. Regarding security concerns, I totally understand being cautious. They use bank-level encryption for all document uploads and don't store your documents permanently. They don't actually request forms for you - they analyze what you have and give you specific instructions for getting what you need. In my case, they helped me realize I already had the form but hadn't recognized it in my email.

Wait, how does this actually work? They just sit on hold for you? Do they listen to your private conversation with the IRS or marketplace?

This sounds like total BS. Nothing is going to get you through to a government agency faster than just waiting on hold yourself. Sounds like a scam to take advantage of frustrated people.

They use an automated system that holds your place in the phone queue and monitors for when a human answers. Once a real person picks up, you get an immediate call connecting you directly to that agent. They don't listen to your conversation at all - they just bridge the call to you once someone answers. And no, it's definitely not a scam. I was skeptical too until I tried it. The difference is their system can dial multiple numbers simultaneously and try different options until they get through, something I couldn't do on my own. They specifically know which prompts and options get you to a human fastest for each agency. When I finally got connected, I resolved my 1095-A issue in just a few minutes after previously wasting hours on failed attempts.

Omg this makes so much sense now! I think I might actually have Medicaid through Molina. I don't remember paying monthly premiums which I guess would be the case with a marketplace plan? So if I have Medicaid Molina, I don't need to worry about this 1095-A form at all?

Correct! If you have Medicaid through Molina and aren't paying premiums, you don't need a 1095-A. Medicaid is considered qualifying health coverage, so you just check the box on your tax return saying you had full-year coverage. Some states send a 1095-B form for Medicaid coverage, but you don't need to wait for it to file your taxes. It's just for your records to prove you had coverage if asked. The easiest way to confirm is to call your state's Medicaid office and ask if your Molina plan is through Medicaid or the marketplace.

Will filing an extension give more time to pay too? I'm expecting a refund because of the premium tax credit so I want to file asap.

Filing an extension only extends the deadline to file your return, not to pay any taxes owed. But since you're expecting a refund, there's no penalty for filing late when the IRS owes you money. However, you won't get your refund until you actually file the return, so an extension would just delay getting your money back. If you can get your 1095-A sorted out soon, it's definitely better to file on time to get your refund faster.

This is really helpful advice! I'm dealing with a similar situation and the bank statement tip is genius - I never would have thought to check there. Quick question though - if I did get advance premium tax credits but can't find my 1095-A anywhere, what happens? Can the IRS calculate the reconciliation without the form or am I stuck until I get it?

You're definitely stuck until you get the 1095-A if you received advance premium tax credits. The IRS can't calculate Form 8962 without the specific information from your 1095-A - like the monthly premium amounts, benchmark plan costs, and exact credit amounts paid on your behalf. If you absolutely can't locate your 1095-A, your best bet is to contact your state marketplace directly (not Molina). They're required to have this information and can reissue the form. Some marketplaces also let you download it directly from your online account even if the original was lost or sent to the wrong address. Don't try to estimate or guess the numbers - the IRS will have the exact figures from your marketplace, and any discrepancy will trigger correspondence or potentially an audit. It's worth the extra effort to get the correct form rather than risk filing incorrectly.

Unfortunately, you can't complete Form 8962 (Premium Tax Credit reconciliation) without the specific information from your 1095-A. The IRS needs the exact monthly premium amounts and advance credit amounts that are only on that form. If you received advance premium tax credits but can't get your 1095-A, you have a few options: 1. Contact your state marketplace directly - they can often resend it immediately or let you access it online 2. Call the Marketplace Call Center at 1-800-318-2596 - they can help locate and resend your form 3. File for an extension to give yourself more time to track it down Don't try to estimate or guess the amounts - the IRS will have the exact figures from your marketplace, and any discrepancies could trigger issues later. It's worth the extra effort to get the actual 1095-A rather than risk problems down the road!

You absolutely need the 1095-A to properly reconcile advance premium tax credits - the IRS can't calculate it without the specific amounts from your form. If you received advance credits but file without the 1095-A, you'll likely face delays, potential penalties, or have to file an amended return later. However, if you're certain you got marketplace coverage with advance credits, you can often reconstruct the information you need. Log into your marketplace account online - they usually have all your 1095-A information available for download even if the physical form was lost or sent to the wrong address. You can also call the marketplace directly and request they email or mail a duplicate. Don't risk filing without it if you had advance premium tax credits. The reconciliation on Form 8962 requires exact dollar amounts that only appear on the 1095-A, and getting it wrong could trigger an audit or result in you owing money back to the IRS.

You're definitely stuck until you get the 1095-A if you received advance premium tax credits. The IRS requires Form 8962 to reconcile those credits, and you can't complete that form without the specific information from your 1095-A (like the monthly premium amounts and credit amounts). If you absolutely can't locate your 1095-A, your best bet is to contact your state marketplace directly and request a duplicate. They're required to provide it to you. Don't try to estimate or guess the amounts - the IRS will have the exact figures from your marketplace, and any discrepancies could trigger an audit or delay your refund. The good news is that if you're expecting a refund due to the premium tax credits, there's no penalty for filing late when the IRS owes you money. But you won't get that refund until you file with the correct 1095-A information.

You can't file Form 8962 (Premium Tax Credit reconciliation) without the 1095-A because it contains specific information the IRS needs - like the benchmark plan cost and actual premium amounts. The IRS won't be able to calculate this for you. If you absolutely can't locate your 1095-A, you have a few options: 1) Request a corrected/duplicate form from your marketplace (they're required to provide it), 2) File for an extension to give yourself more time to get it, or 3) In extreme cases, you might be able to reconstruct the information from other documents, but this is risky and could trigger an audit. Don't try to guess the numbers - the IRS will have the exact figures from your marketplace and any discrepancies will definitely get flagged. It's worth the extra effort to get the actual form!

You're absolutely stuck without the 1095-A if you received advance premium tax credits. The IRS can't calculate Form 8962 without the specific information from that form - like the monthly enrollment premiums, advance credit amounts, and applicable benchmark plan costs. These numbers aren't available anywhere else. If you can't locate your 1095-A, you have a few options: 1) Log into your marketplace account online - it should be available for download there, 2) Call the marketplace directly and request a duplicate (this is usually faster than going through your insurer), or 3) File for an extension to give yourself more time to track it down. Don't try to file without it or estimate the numbers - that'll just create problems later when the IRS tries to match your return against their records. The good news is that once you get the form, Form 8962 is pretty straightforward to complete, especially if you use tax software that walks you through it.

You absolutely cannot file your return accurately without the 1095-A if you received advance premium tax credits. The IRS won't be able to calculate the reconciliation for you - Form 8962 requires specific information from the 1095-A that only you/your marketplace has access to. If you can't locate your 1095-A, your best bet is to call your state marketplace or Healthcare.gov at 1-800-318-2596. They can resend it to you or let you access it through your online marketplace account. Some people have also had success using those callback services mentioned earlier in this thread to avoid the long hold times. Whatever you do, don't try to estimate the numbers or file without reconciling the premium tax credits properly. That's a red flag for audits and you could end up owing penalties and interest if the IRS determines you received more credits than you were entitled to.

Unfortunately, you can't properly reconcile advance premium tax credits without the 1095-A form - it contains specific information like the premium amounts and credit calculations that the IRS needs to verify your Form 8962. If you received advance credits and file without reconciling them, the IRS will likely send you a notice asking for the missing information, which could delay your refund or result in additional taxes owed. Your best bet is to contact your state marketplace directly and explain the situation. They can usually resend the 1095-A electronically or by mail pretty quickly. Most marketplaces also have it available for download in your online account if you can access that. Don't give up on getting the form - it's really worth the effort to avoid potential issues with the IRS later!

If you received advance premium tax credits, you absolutely must have the 1095-A to file correctly - there's no way around it. The IRS can't calculate the reconciliation for you because they need the specific monthly premium amounts and credit details that are only on your 1095-A. However, you have a few options: First, try logging into your marketplace account online - the 1095-A should be available for download even if you never received the physical/email copy. Second, call the marketplace directly and request they resend it immediately. Third, if you're really stuck, you can file for an extension to give yourself until October to track it down. Don't try to estimate or guess the amounts - if the IRS audits you later and your numbers don't match their records from the 1095-A, you could face penalties and interest. It's worth the extra effort to get the correct form!