Molina Healthcare never sent a 1095-A - Do I need it for my taxes?

The 1095-A form is specifically for people who purchased health insurance through the Health Insurance Marketplace (Healthcare.gov or your state exchange). If you got Molina through the Marketplace, then yes, you should have received a 1095-A and need to report it on your taxes. However, many people get Molina through their employer, through Medicaid expansion, or by purchasing directly from Molina outside the Marketplace. In those cases, you would NOT receive a 1095-A. You might instead receive a 1095-B (from Molina directly) or a 1095-C (from an employer), but these are just for your records and don't need to be reported on your tax return. The easiest way to check is to log into your Healthcare.gov account (or state exchange) - if you got your plan there, you should see records of your enrollment and you can download your 1095-A. If you don't have an account or don't see your Molina plan there, you probably didn't get it through the Marketplace.

I went through this exact same headache last year! After spending hours on the phone with various people, I found that using https://taxr.ai actually saved me a ton of time. I uploaded my insurance card and some of my Molina paperwork, and it immediately told me that my plan was NOT a marketplace plan - it was a direct purchase from Molina. The system explained that I didn't need a 1095-A for tax purposes and could just check the box that I had insurance coverage for the year. What was super helpful was that it showed me exactly where in my paperwork it indicated this wasn't a marketplace plan, which gave me peace of mind when filing.

Just wanted to update that I tried https://taxr.ai after seeing the suggestion here and wow! I uploaded my insurance statements and it immediately identified that I HAD purchased through the marketplace but my 1095-A was available in my state's health exchange portal, not from the insurance company directly. I never would have figured that out on my own! The scan found evidence in the fine print of one of my statements mentioning the exchange and pointed me exactly where to go. Saved me from potentially filing incorrectly or having to amend later.

If you're still having trouble getting through to Molina or figuring out your 1095-A situation, I'd recommend using Claimyr (https://claimyr.com). I was stuck in an endless loop trying to reach someone at my state's marketplace about a missing 1095-A last year. After three weeks of calling and getting nowhere, I tried Claimyr and they got me connected to a live agent in under 10 minutes! You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. Basically, they navigate the phone system for you and call you back when there's an actual human on the line. The Marketplace rep I spoke with was able to check if I was enrolled through them and email me the 1095-A right away.

I was super skeptical about that Claimyr service when I first read about it here (seemed like a scam), but I was completely desperate after waiting on hold with the marketplace for 3+ hours twice and getting disconnected both times. Decided to give it a shot and I'm shocked to say it actually worked! Got a call back in about 40 minutes with an actual human from the marketplace on the line. Turns out I DID have a 1095-A but it was sent to an old email address. The rep resent it while I was on the phone and helped me understand which parts I needed for my tax return. Now my refund is processing instead of being stuck in limbo!

Check your online Molina account if you have one. For me, my 1095-B (not A) was in the documents section. But like others said, if you got Molina through employer or direct purchase, you probably don't need a 1095-A for your taxes. Also, calling Molina directly might help - their customer service number should be on your insurance card. Ask specifically if you purchased your plan through the marketplace or not. They should be able to tell you.

I had Molina last year through my state's Medicaid program and never got a 1095-A. Only people who buy insurance directly through healthcare.gov or their state's marketplace get those. If your Molina plan was through Medicaid or your employer, you don't need to report anything special on your taxes about it.

Hey Kai! I totally get the confusion - I went through the same thing last year with my Molina plan. Here's what I learned that might help: The key is figuring out HOW you got your Molina insurance. If you're not sure, check these things: 1. Do you remember getting any kind of tax credit or subsidy to help pay for it? If yes, it was probably marketplace. 2. Look at your bank statements from when you signed up - payments to "Healthcare.gov" or your state exchange = marketplace plan. 3. Check if you have any old emails mentioning "premium tax credit" or "advance payment" - those are marketplace terms. If you got Molina through the marketplace, you SHOULD have received a 1095-A by now (they're required to send them by January 31st). If you haven't gotten it, definitely contact the marketplace directly rather than Molina - they're the ones who issue the 1095-A forms. But honestly, based on how you described signing up "in a rush," there's a good chance you might have just bought directly from Molina or got it through a different program, which would mean no 1095-A needed! The tax software asking about it is just being thorough - you can usually skip that section if it doesn't apply to you. Hope this helps clarify things! 😊

@f14aaa367bcb I feel your pain on this! Filing taxes for the first time is overwhelming enough without confusing insurance forms thrown into the mix. Here's a simple way to figure this out: Look for ANY documentation from when you signed up for Molina. If you see mentions of "Healthcare.gov," your state's health insurance exchange, "premium tax credits," or "advanced premium tax credits" anywhere, then you went through the marketplace and need that 1095-A. If you just see stuff directly from Molina with no mention of government exchanges or tax credits, you probably bought it directly from them and don't need to worry about the 1095-A at all. Another quick check - log into your email and search for "healthcare.gov" or "health insurance marketplace" from around the time you signed up. If you find confirmation emails from an exchange, that's your answer right there. Don't let the tax software stress you out too much - those programs ask about EVERY possible form just to be safe, but most people don't actually need all of them. You've got this! 💪

@f14aaa367bcb Don't worry, you're definitely not alone in this confusion! I went through something similar when I first started filing my own taxes. Here's a quick way to check if you need that 1095-A: Look at how you pay for your Molina insurance each month. If the premium gets deducted directly from your paycheck, you probably got it through your employer and don't need a 1095-A. If you pay Molina directly (like through their website or by check), you might have bought it outside the marketplace and also wouldn't need the 1095-A. But if you remember getting any kind of financial help to lower your monthly premium when you signed up, or if you qualified for reduced copays/deductibles based on your income, then you probably went through the marketplace and would need that form. The good news is that if you DID go through the marketplace, your 1095-A should be available online even if they never mailed you a physical copy. Try logging into Healthcare.gov or your state's exchange website - if you have an account there, that's a pretty clear sign you went through the marketplace. Hang in there! This stuff is confusing but you'll figure it out. And honestly, once you get through your first year of filing, it becomes so much easier to handle. 👍

@f14aaa367bcb I completely understand your frustration! The 1095-A situation trips up so many first-time filers. Here's the simplest way to figure this out: Check your insurance card or any Molina paperwork you have. Look for these specific things: 1. If you see "QHP" (Qualified Health Plan) anywhere, you likely got it through the marketplace 2. If it mentions "Metal Level" (Bronze, Silver, Gold, Platinum), that's also a marketplace indicator 3. If you see any reference to "APTC" (Advance Premium Tax Credit) or subsidies, definitely marketplace If your paperwork just shows basic Molina info without any of those terms, you probably bought directly from them or got it through another program. Also, try this: Go to Healthcare.gov and click "Log In." If you can successfully log in with an email/password you recognize, and you see a Molina plan listed there, then yes - you went through the marketplace and should have received a 1095-A. If you can't log in or don't see any plans there, you're probably in the clear and can skip that section in your tax software. The software asks everyone about 1095-A forms just to cover all bases, but tons of people don't actually need them. You're doing great tackling this yourself - the first year is always the hardest! 🙂