Use the information on this page to help consumers understand health insurance tax information and responsibilities.
- Assisters should not provide advice to consumers on tax issues in their assister role. We strongly recommend you refer consumers to tax professionals for more help.
- Free tax assistance is available for low-income consumers:
- Assisters may share information and resources with consumers so they are aware of any tax forms they may receive and responsibilities they may have.
- An assister cannot attest to federal tax information or federal tax reconciliation on behalf of a tax filer.
- An assister cannot view or print a consumer's Form 1095-A through their assister portal account and should not view or print Form 1095-A on behalf of a consumer.
Federal Tax Information (FTI) Authorization
FTI Authorization - Only for Applications WITH Financial Help
When applying for assisted qualified health plans (an application WITH financial help), the tax filer of the household must give permission to access their tax returns filed with the Internal Revenue Service (IRS). This is called a Federal Tax Information (FTI) Authorization. This information is necessary for the application to accurately calculate the financial assistance a consumer may qualify for, including premium tax credits, cost-sharing reductions, MinnesotaCare or Medical Assistance.
The signature page of the consumer's application also asks the applicant to give permission for future years to redetermine eligibility (up to five years, which is the default option). More information can be found on the Summary and Signature page on MNsure.org.
Notice to Renew FTI Authorization
When a consumer's federal tax information authorization expires (typically every five years from the initial application), MNsure will mail a Federal Tax Information (FTI) notice to the tax filer indicated on the application. If the tax filer does not provide an updated FTI authorization prior to MNsure's renewal process period in September, they may lose eligibility.
An assister cannot attest to federal tax information on behalf of a tax filer. However, if an assister has an assister portal association with a consumer who will be receiving this notice, the assister will receive a secure email alerting them so they can follow-up with the consumer and/or answer questions the consumer may have.
Consumers have the options to use a QR code printed on the notice to provide their authorization via their smartphone. Authorization can also be provided online or by completing and mailing the included paper form.
- Tax filers should verify their information before completing the form. If the form is not completed with the correct information, MNsure will be unable to process it.
- Tax filers can choose authorization for one to five years for verifying federal tax information.
Qualified Health Plan Tax Credit Reconciliation
Visit the Claim or Report Tax Credit page on MNsure.org for an overview of tax credit reconciliation for consumers.
MNsure has created a Form 1095-A Reference Guide for Assisters Plan Year 2022 (PDF). Assisters should review this guide annually to be up to date on any changes with Form 1095-A and tax reconciliation.
For Consumers with Assisted Qualified Health Plans (WITH financial help):
Enrollees are required to report on their federal tax return if advanced premium tax credits (APTC) was applied and paid on their behalf for their qualified health plan (QHP).
Consumers will need information from IRS Tax Form 1095-A to reconcile any advanced premium tax credit payments applied to their health insurance premium during the tax year. MNsure provides this form to consumers by mail and consumers can find a copy available through their online account. There will be an announcement on Assister Central when MNsure starts sending Form 1095-A to consumers, usually at the end of January.
Directions for consumers to find their Form 1095-A are located on the MNsure.org in the Where to Find Form 1095-A page. An assister cannot view or print a consumer's Form 1095-A through their assister portal account. If a consumer cannot access a duplicate form from their account, they can use the Get Online Help option on MNsure.org (select private health or dental insurance plan) to request to duplicate 1095-A form or to check the status of a missing/corrected 1095-A form. An assister should not print a Form 1095-A on behalf of a consumer.
For Consumers with Unassisted Qualified Health Plans (WITHOUT financial help):
Consumers enrolled through MNsure in a QHP without financial assistance will also receive Form 1095-A. These consumers may still be eligible to claim a premium tax credit when filing their taxes, even if they applied and enrolled without financial help. More information is located on the Claim or Report Tax Credit page on MNsure.org.
Consumers that enrolled in a catastrophic plan or stand-alone dental plan will not receive Form 1095-A.
MinnesotaCare or Medical Assistance Tax Forms
Information for MinnesotaCare and Medical Assistance tax forms can be found on the Minnesota Department of Human Services (DHS) website.