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How Do You Get Form 1095-A Online?

Learn how to get your Form 1095-A online, when it becomes available, and why you should wait for an accurate version before filing taxes.

Direct answer

You can get Form 1095-A online by signing in to your Marketplace account and opening the tax form section for the coverage year. If anyone in your tax household had Marketplace coverage, wait for an accurate 1095-A before filing taxes that require premium tax credit reconciliation. The Marketplace provides Form 1095-A; the IRS does not send it directly.

Marketplace coverage for tax year + account access = download 1095-A online

1095-A decision guide

Had Marketplace coverage

Look for 1095-A in your account

You may need it for taxes

Form is missing

Check account and Marketplace messages

Do not guess premium amounts

Form is inaccurate

Contact the Marketplace before filing

Wait for corrected information

Coverage came from employer

Do not expect Marketplace 1095-A

Different tax forms may apply

Need IRS transcript

Use IRS tools separately

1095-A is not an IRS transcript

Situation	Best action	Caution
Had Marketplace coverage	Look for 1095-A in your account	You may need it for taxes
Form is missing	Check account and Marketplace messages	Do not guess premium amounts
Form is inaccurate	Contact the Marketplace before filing	Wait for corrected information
Coverage came from employer	Do not expect Marketplace 1095-A	Different tax forms may apply
Need IRS transcript	Use IRS tools separately	1095-A is not an IRS transcript

1095-A is a Marketplace form

Form 1095-A is for Marketplace coverage and helps reconcile premium tax credits. It is different from IRS transcripts, W-2s, 1099s, and employer health coverage forms.

Get the form online

1Sign in to your HealthCare.gov Marketplace account.
2Choose the application for the tax year.
3Open the tax forms or messages area.
4Download Form 1095-A for each applicable Marketplace plan.
5Review the form before filing and request help if it is missing or inaccurate.

FAQ

When is Form 1095-A available online?

HealthCare.gov says Form 1095-A is usually available in Marketplace accounts by early February for the prior coverage year.

Can I file taxes without my 1095-A?

If anyone in your tax household had Marketplace coverage, wait for an accurate 1095-A before filing because the form is needed to reconcile premium tax credits.

Does the IRS send Form 1095-A?

No. Form 1095-A comes from the Health Insurance Marketplace, not directly from the IRS.

Sources & method

We reviewed these references while writing this answer. Figures are estimates — confirm safety-critical work with a professional. Last updated June 7, 2026.