Need to find my Marketplace Identifier and policy number but my 1095-A is nowhere to be found

You can actually download a copy of your 1095-A directly from your Marketplace account online. Log into healthcare.gov (or your state marketplace if you're not using the federal one) and look for tax forms or documents section. All 1095-A forms are available electronically, even if you opted for mail delivery. If you're having trouble finding it there, call the Marketplace again but specifically ask for the document download instructions rather than waiting for the mail. Tell them you need to access your 1095-A electronically for tax filing purposes. Another option is to request that they give you just the specific information over the phone - the Marketplace Identifier and policy number. The customer service rep should be able to verify your identity and provide those specific details so you can continue with your tax filing.

Had the same issue last year and wasted hours on hold with the marketplace. Then I found taxr.ai (https://taxr.ai) which saved me so much headache! They have this tool that can help identify all the information you need for ACA tax credits even without your original documents. You upload whatever marketplace info you do have and their system extracts the key identifiers like the Marketplace ID and policy number. I was skeptical at first but it seriously works - their AI can reconstruct the missing data points by analyzing other marketplace communications you might have (confirmation emails, payments, etc). Plus they walk you through exactly where to enter everything in whatever tax software you're using.

Just wanted to update - I tried taxr.ai after seeing it mentioned here and it actually worked perfectly! I had the same issue where my 1095-A never showed up, but I did have some old emails from the Marketplace with partial information. The tool was able to extract both my Marketplace Identifier and policy number from those emails, plus it found a confirmation number I didn't even realize I needed. The whole process took maybe 10 minutes and I was able to finish my taxes the same day. Would definitely recommend for anyone in the same situation - way better than waiting on hold with the marketplace for hours just to be told to "keep waiting for the mail.

If you've already tried everything and still can't get your 1095-A or the information you need, try Claimyr (https://claimyr.com). They have this service that gets you through to an actual human at the Marketplace call center without waiting on hold for hours. I used it after spending literally 3 days trying to get through the normal way. They have this system that waits on hold for you and then calls you when a real person is on the line. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. I was skeptical but after multiple failed attempts to reach anyone who could help me with my missing 1095-A, I tried it and got through to a supervisor who was able to give me all the information I needed right over the phone.

I take back what I said about Claimyr. After getting disconnected for the 5th time waiting on the marketplace phone line, I gave it a shot out of pure frustration. It actually worked exactly like they said. I put in my number, explained my issue, and went back to work. About 90 minutes later I got a call connecting me directly to a marketplace rep. The rep was able to give me my Marketplace Identifier and policy number over the phone after verifying my identity. Didn't need to wait for the paper form after all. Filed my taxes the same day. Guess sometimes the things that sound too good to be true actually work!

Here's another option nobody mentioned - check your insurance company's online portal. Sometimes they list the marketplace policy number in your account details or on your electronic statements. It won't have everything from the 1095-A, but it might have enough to get you started. Also, don't forget you can file for an extension if you're still waiting for documents! Form 4868 gives you until October to actually file, though you still need to pay any estimated taxes owed by the regular deadline.

Went thru this last year. If nothing else works try this: call the marketplace and select Spanish option even if u dont speak Spanish. The wait times are waaaaay shorter (like 5-10 min vs hours) and when u get a rep just politely say u hit the wrong option. Every rep I've gotten is bilingual and they'll help u in English. They can give u all the info from ur 1095A over the phone after verifying ur identity.

Another approach that worked for me - if you have any old emails from when you enrolled or made payments through the Marketplace, check those carefully. Sometimes the confirmation emails contain partial information that can help. I found my Marketplace Identifier buried in an enrollment confirmation email from last year that I almost deleted. Also, if you're still stuck, try calling first thing in the morning (like 8 AM when they open) or late in the evening. The wait times are usually much shorter than during peak hours. I've had good luck getting through around 7-8 PM when most people aren't calling. The Spanish language tip someone mentioned is genius though - wish I'd known that trick earlier! Sometimes you have to get creative with these government phone systems.

Just wanted to add one more option that saved me when I was in this exact situation - you can also request an expedited replacement 1095-A directly from the Marketplace. When you call (try that Spanish language trick!), specifically ask for an "expedited reissue" of your 1095-A form and explain that you're approaching the tax deadline. They can often email you a digital copy within 24-48 hours instead of waiting weeks for mail. I got mine emailed as a PDF attachment after explaining I'd been waiting since January for the original. Make sure to mention you've already checked your online account and the form isn't available there - this helps them understand you need the expedited service. The rep I spoke with was really understanding about the time crunch and said this happens to tons of people every tax season. Don't stress too much - there are definitely solutions even this close to the deadline!

I work for a tax preparation service and see this issue constantly during tax season. Here's what I tell my clients: if you can't get through to the Marketplace via phone after trying the tips mentioned here, you can also contact the IRS directly at 1-800-829-1040 and ask about filing without the 1095-A. The IRS has a process for taxpayers who are missing their 1095-A forms but still need to reconcile their advance premium tax credits. They can sometimes work with you using alternative documentation like bank statements showing your monthly premium payments, or enrollment records you have saved. Also important to note - if you received advance premium tax credits (which it sounds like you did with that $215/month), you MUST file Form 8962 to reconcile those credits, even if your 1095-A is missing. The IRS won't let you skip this step, but they do have procedures for handling missing forms. Don't panic about the deadline - as someone mentioned, you can always file an extension to buy more time while you sort out the documentation issues. The key is to at least get the extension filed by the original deadline to avoid penalties.

I've been following this thread and wanted to add another option that worked for me last tax season. If you're still having trouble getting through to the Marketplace, try contacting your insurance company's customer service directly. While they can't provide the Marketplace Identifier (that's unique to the 1095-A), they often have records of your enrollment through the Marketplace and can sometimes provide supporting documentation. When I called my insurer, they were able to send me a detailed coverage summary that included dates of coverage, premium amounts, and policy details that matched what would be on the 1095-A. While this wasn't a replacement for the actual form, it gave me enough information to work with the IRS when I called their ACA helpline. The insurance company rep also mentioned that they submit reports to the Marketplace, so they sometimes have more detailed records than what shows up in your online portal. It's worth a shot while you're trying the other suggestions - at minimum, they can confirm your coverage dates and premium amounts to make sure everything matches up when you do get your 1095-A. Also echoing what others said about filing the extension if needed - there's no shame in buying yourself more time to get the proper documentation rather than rushing and potentially making errors on your return.