What is 1095-A?
You will need your Form 1095-A when you prepare your federal income tax return.
Your Form 1095-A shows the amount the Internal Revenue Service (IRS) paid to your insurance company to lower the cost of your health coverage. The amount paid was based on the most recent household size and income information you provided to Covered California. If your information changes during the year, you must update your Covered California application.
What do I do with Form 1095-A?
Similar to a W-2, a Form 1095-A is one of the things that will determine the amount of taxes you will pay or the refund you receive. You will use it to fill out IRS Form 8962. Form 8962 is an IRS form to “reconcile” the tax credits your health insurance company received based on your estimated income with the amount that you qualify for based on your actual income, as reported on your federal tax return.
For help with your taxes, consult a tax preparer. Most tax preparers are ready to assist you with this form and the tax requirements.
What if I didn’t get a Form 1095-A?
If you have not received a Form 1095-A in the mail or in your Covered California account, contact us today at (800) 650-0922 or visit one of our office locations.
Note: Covered California members who enrolled in a minimum coverage plan (also known as catastrophic coverage) may receive a Form 1095-B or 1095-C directly from their health insurance company. Health insurance companies are not required to send a 1095-B for catastrophic coverage and this form is not required to file your taxes.
What if my Form 1095-A is incorrect?
If the information below is incorrect on your Form 1095-A, please contact us at (800) 650-0922 or visit one of our office locations. We will assist you in filing the dispute form for a corrected Form 1095-A to be sent before you file your taxes.
Your date of birth.
Your Social Security number.
When will I receive a corrected Form 1095-A?
Covered California will respond to you within 60 days of the date of submission of the Form 1095-A dispute form and issue a corrected form.
If you file your tax return before you receive your corrected Form 1095-A from Covered California, you may have to file an amendment to your tax return. If you do not get a new, corrected Form 1095-A before you are required to file your taxes, you must use the original Form 1095-A that Covered California sent you to complete Form 8962 and file your tax return.
What is the difference between Form 1095-A, B and C?
Form 1095-A, Covered California Statement: Covered California sends this form to individuals who enrolled in coverage with Covered California (except for individuals who enrolled in a minimum coverage/catastrophic plan. These individuals may receive a Form 1095-B or 1095-C directly from their health insurance company).
Form 1095-B, Health Coverage: Health insurance companies outside of Covered California and programs such as Medi-Cal send this form to individuals they cover, with information about who was covered and when.
Form 1095-C, Employer-Provided Health Insurance Offer and Coverage: Large employers send this form to their employees. It states the health coverage that was offered (if any) and the months in which it was offered.
What if I received an incorrect Form 1095-B or 1095-C?
Medi-Cal, Medicare, employers and health insurance companies will issue Form 1095-B and 1095-C. If you have questions about your Form 1095-B or 1095-C, please contact the sender. Covered California will not be able to resolve disputes for forms sent by any other source.
Covered California for Small Business health plan members may receive an IRS Form 1095-B or 1095-C. We encourage you to check with your health insurance company or employer if you have questions about these forms.