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Tax Information

Important Information about Filing Tax Returns

The Affordable Care Act requires most individuals to have health coverage that meets certain minimum standards or face a tax penalty. The federal tax system is used to enforce this requirement. All tax filers* must report on their federal tax return whether or not they, or anyone they claim as a tax dependent, had health coverage. Enrollment in a private health plan through MNsure (also known as a qualified health plan) meets the minimum standards for health coverage. Depending on how you got your health coverage, you may receive certain forms to help fill out your tax return and confirm that you met the requirement by law to have health coverage.

*If you don't normally file a tax return: You MUST file a federal tax return for any year in which you received a tax credit to help pay for your insurance premiums (advanced premium tax credit). You need to report the tax credit total you received for the year. See information about claiming tax credits and Form 8962

Tax Forms for Reporting Health Coverage

You may get health insurance through your job, private coverage that you buy on your own or coverage through a government-sponsored health program like Medicare, Medical Assistance or MinnesotaCare. Your household may get coverage through one or more of these sources for the entire year or just part of the year. Depending on your household situation, you may receive several tax-related forms that confirm your household health coverage for the tax year. 

IRS Form 1095-A

MNsure sends IRS Form 1095-A to individuals who enrolled in a private health plan through MNsure. 

IRS Forms 1095-B and 1095-C

You may receive other forms to help report health coverage information, but these will not come from MNsure.

If you got health insurance from an employer, you may receive IRS Form 1095-B or Form 1095-C. If you have questions about either form contact your employer's human resources representative.

If anyone in your household got health insurance through the government-sponsored programs MinnesotaCare or Medical Assistance, expect to get IRS Form 1095-B. The Minnesota Department of Human Resources (DHS) sends Form 1095-B. For information about this form, visit the DHS website.

IRS Form 1095-A

If you enrolled in a private health plan through MNsure, we will send you IRS Form 1095-A early in the year. This form is used to confirm you had health insurance coverage and the amount of any advance premium tax credit applied to your coverage to help you pay your premiums.

FAQ about Form 1095-A

What if I already filed my tax return? What if I have not received my Form 1095-A? Find answers to these and other FAQ about IRS Form 1095-A.

Report or Claim Tax Credit

Information about reporting or claiming the premium tax credit using IRS Form 8962.

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