When can I expect to receive my 1095-A form from the Healthcare Marketplace this year?

Thanks for the info. I've checked my marketplace account but don't see anything yet. Would calling them speed things up or are we just in a waiting game at this point? Also, if I absolutely had to file without it, what would happen?

Calling them is definitely worth trying. The Marketplace Call Center (1-800-318-2596) can check the status of your 1095-A and sometimes release it if it's stuck in processing. They may also be able to tell you if there's a specific reason for the delay in your case. I wouldn't recommend filing without the 1095-A if you received premium tax credits. Your 1095-A contains critical information about the premium tax credit you received in advance, and filing without it will likely result in errors that could trigger an audit or delay your refund. If you absolutely must file early, you'd need to pay back all premium tax credits you received until you can file an amended return with the correct information.

Does it actually help you get the form faster? Or just helps you understand it when it finally shows up? I'm desperately trying to file by mid-February to cover some unexpected expenses.

I'm skeptical about using third-party services for something that should be straightforward. Does this actually have access to get forms that aren't showing up on the official healthcare.gov site? Seems like it would just be another place to check.

It doesn't speed up the actual delivery of your form from the government - no service can do that unfortunately. What it does is help you understand exactly what's going on with your advance premium tax credits while you wait, so you can better estimate what to expect when filing. The service doesn't replace the official site, but it provides much clearer explanations of what your form means once you get it. It helped me identify a reporting error on my 1095-A last year that would have caused me to overpay. The healthcare.gov site just gives you the raw form with no explanation, while taxr.ai breaks down exactly what each number means for your tax situation.

How does this actually work? I don't understand how a third-party service could get you through faster than calling directly. Is this just paying someone to wait on hold for you?

This sounds like some kind of scam honestly. The marketplace call center has a single queue - no one can magically "skip the line" unless they're doing something sketchy. I'd be really careful about giving access to anyone claiming they can get you through faster.

It's not about skipping the line - they use a callback system that monitors the hold lines and connects you when a representative becomes available. You're still in the same queue as everyone else, but their technology handles the waiting part so you don't have to stay on hold yourself. The service doesn't access your personal information at all - they simply connect the call to you when a representative picks up. Think of it like having someone else wait in a physical line for you, then texting when they reach the front so you can take their place. All your personal interactions with the Marketplace are still directly between you and them.

Yes, they're required to send your 1095-A even if you were only covered for part of the year. I was only on marketplace insurance for 4 months last year and still got mine (though it was late). You might want to try recovering your login since the online version will likely be available sooner.

Thanks for confirming! I'll try to recover my account then. Totally forgot my password and the email I used might be my old one. What a headache this all is. But good to know they're still required to send it for partial year coverage.

They're different forms. The 1095-A is specifically for plans purchased through the Marketplace with potential premium tax credits. The 1095-B typically shows coverage from other sources like certain government programs (Medicaid, CHIP) or some employer plans. If you only had coverage through a state Medicaid program and received a 1095-B, you likely won't receive a 1095-A. The 1095-B essentially just proves you had qualifying coverage to satisfy the health insurance requirement. Unlike the 1095-A, you don't need to attach or directly use information from the 1095-B on your tax return.