Tax information for plans purchased through Covered California

These frequently asked questions will help you report your coverage if you got your plan through Covered California.
  • What are IRS Forms 1095-A and 8962?

    IRS Form 1095-A

    The 1095-A form, also known as the Health Insurance Marketplace Statement, reports certain information to the IRS about individuals who enroll in health plans through Covered California.

    If you bought your plan through Covered California, you should receive a 1095-A form from Covered California, whether or not you received premium assistance.

    Use the 1095-A form from Covered California to:

    • Complete the IRS Form 8962, which must be filed with your tax return
    • See if you're eligible to receive a lump sum premium tax credit (PTC)
    • Validate the amount of Advanced Premium Tax Credit (APTC) received in 2019

    Do not attach the completed Form 1095-A to your tax return. Keep it with your tax records. For more details about 1095-A forms, visit the IRS and Covered California websites.

    Note: If you enrolled in a minimum coverage plan specifically, you will not receive a 1095-A form from Covered California. For more details, view our information on minimum essential coverage.

     

    IRS Form 8962

    IRS Form 8962, or the IRS Premium Tax Credit form, is the federal tax form that individuals are required to include when filing their federal income tax return if they:

    • Purchased their 2019 plan through Covered California, and 
    • Received or want to claim financial assistance.

    Use IRS Form 8962 to:

    • Claim your premium tax credit (PTC)
    • Report any Advanced Premium Tax Credit (APTC) you received in 2019
    • Prove you enrolled in a minimum essential coverage health plan

    Form 8962 must be filed with your taxes if you received advance payments of the premium tax credit or want to claim the premium tax credit.

    For instructions on filling out IRS Form 8962, download the IRS Instruction Manual for Form 8962.

    See the next section on how to use IRS forms 1095-A and 8962.

  • What do I do with forms 1095-A and 8962?

    Form 1095-A

    1. First, review IRS Form 1095-A to ensure all your information is correct.
      • Report to Covered California any discrepancies regarding your health plan premium or Advanced Premium Tax Credit amounts using the Covered California consumer 1095-A dispute form.
      • Report any discrepancies with name, date of birth, Social Security number, and address to the Covered California Service Center.
      • Contact Covered California if you have not received a 1095-A form by early February.
    2. Use IRS Form 1095-A to file your federal income taxes via the IRS Form 8962.

     

    Form 8962

    1. Use the IRS Form 8962 to calculate the Actual Premium Tax Credit based on your actual household size and income for the 2019 calendar year.
    2. File IRS Form 8962 with your taxes if you received advance payments of the premium tax credit or want to claim the premium tax credit.
  • What if I got more than one Form 1095-A?

    You may receive more than one 1095-A form if:

    • You or members in your household were enrolled in more than one Covered California health plan in 2019.
    • You changed your health plan benefit level. For example, you kept the same health insurance carrier plan, but you changed your health plan level metal tier from Silver to Gold.
    • Members of your household were enrolled in different health insurance carrier plans.
    • Your family has more than five members. You will receive multiple 1095-A forms that have the same information. Only Part II will list different family members.

     

    When filing your taxes, you will need to use all applicable 1095-A forms that you receive.

    If you reported an issue with your original 1095-A form, or if you made a change to your coverage, you may receive a corrected version of your 1095-A form. Use the corrected version 1095-A when filing your taxes. If you need help, please get advice from a professional tax preparer or adviser.

  • How do I make or report changes to Covered California?

    To correct your information or Advanced Premium Tax Credit amounts on a 1095-A form, you must fill out and mail or fax the Covered California 1095-A dispute form, which can also be found on Covered California's website. You can call Covered California's Service Center at (800) 300-1506 to report changes to names, dates of birth, Social Security numbers or addresses.

    What to expect: Covered California will review your information and send you and the IRS a corrected Form 1095-A, if necessary.

    Important note: You must use the corrected Form 1095-A information to complete your Form 8962 when filing your federal income taxes or to amend your tax return if you already filed your taxes.

  • Who do I contact if I did not get a 1095-A form and I got financial assistance to pay my Covered California health plan?

    If you do not receive an IRS 1095-A notice, and you received financial assistance to pay your Covered California health plan, you can call Covered California's Service Center at (800) 300-1506.

For more details, please see the IRS helpful links below. If you need help, please get advice from a professional tax preparer or adviser.

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Changes in your health coverage situation?

Find information on what to do if your health coverage situation changed throughout the year for you or any family members.

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