When can I expect my 1095-A form to arrive? Been waiting forever!

Do you know if there's a deadline for when they HAVE to send these out? I'm in the same boat, and the last time I called, they just told me to "be patient" which wasn't helpful at all.

Yes, the Marketplace is legally required to provide all 1095-A forms by January 31st, but they often get an extension from the IRS when they're experiencing system-wide delays. If you've called and they've told you to be patient, that typically means they're experiencing a backlog. However, if it's been more than a couple weeks past the deadline, I'd recommend calling again and specifically asking if there's an issue with your individual form rather than a system-wide delay. Sometimes there can be account-specific problems that need addressing.

That's interesting - how accurate was their estimate compared to when you finally got your actual 1095-A? I'm wondering if this would help me figure out if I might owe or get a refund while I'm still waiting.

I'm a bit skeptical about providing my healthcare info to some random website. Is it actually secure? How do they access your marketplace info without your login?

The estimate was surprisingly close - within about $75 of what my actual 1095-A showed when it finally came. It was definitely close enough to help me plan whether I'd be getting more tax credit or having to pay some back. Regarding security, they don't actually access your Marketplace account at all. You manually upload documents you already have (like last year's 1095-A and your current enrollment info). I was hesitant too, but they use bank-level encryption and don't store your documents after analysis. You can also use it without creating an account if you're extra cautious.

How does this actually work? The Marketplace phone line always tells me the wait is like 2+ hours whenever I call. Does this service somehow let you skip the line?

This sounds like BS honestly. No way they have some special access to get through government phone lines faster than everyone else. They're probably just charging people for something you could do yourself.

It works by using their system that continuously calls and navigates through the phone menus for you until it reaches a human representative. Once it gets a person, it calls your phone and connects you directly. You don't have to sit there listening to hold music for hours. I was skeptical too before trying it. They don't have "special access" - they just automate the painful part of waiting on hold. It's basically like having someone else wait on hold for you while you go about your day. When I used it, I got a call back when they found a representative, and I was connected instantly. Saved me literally hours of my life.

I'm in New York and got mine on January 28th, but my parents in Florida are still waiting for theirs. Seems really inconsistent. Does anyone know if it varies by state marketplace vs federal?

You might be onto something about state vs federal marketplaces. I'm on the federal marketplace (Healthcare.gov) and got mine February 15th as I mentioned. I just texted a couple friends - one who uses our state marketplace got hers in late January, while another friend on Healthcare.gov is still waiting. I don't think they're intentionally doing it by region, but the different marketplace systems probably process and release forms on different schedules. State marketplaces seem to be faster this year from what I'm hearing.

Check your online account first - log into healthcare.gov and look under "tax information" or "documents." Most people can download their 1095-A there even if the paper copy went to the wrong address.

Thanks for the tip about checking online! I just logged in and found mine actually was available for download even though I haven't received anything in the mail. Such a relief - I can finally file my taxes now!