Save it with your other tax-time documentation.
If advanced premium tax credit was paid towards your health insurance premiums during the tax year or if you or a member of your household wants to claim the premium tax credit on your return, then you must file a federal income tax return.
When you file your tax return, you will use your 1095-A to complete and file Form 8962 (Premium Tax Credit). Additional information about Form 1095-A can be found on the back of the form under the "Instructions for Recipient" section.
MNsure can answer questions about Form 1095-A, but we cannot give you tax advice or answer questions on how to file your tax return. You can visit www.irs.gov to get instructions on how to use Form 1095-A to complete Form 8962. If you need assistance completing your tax return, you are encouraged to consult a qualified tax preparer. The Minnesota Department of Revenue has information about free tax preparation sites.
Form 1095-A includes information you may need to fill out your federal income tax return:
MNsure cannot give tax advice or answer questions on how to file your tax return. You can visit www.irs.gov to get instructions on how to use Form 1095-A to complete Form 8962. If you need assistance completing your tax return, you are encouraged to consult a qualified tax preparer. The Minnesota Department of Revenue has information about free tax preparation sites.
If you received identical Form 1095-As, then you should only use one of them when filing your tax return and disregard the others.
If you received more than one Form 1095-A it could be for one or more of the following reasons:
Yes, if you or your family members enrolled in more than one private health plan through MNsure, you will receive a Form 1095-A for each plan. Also, if you had a gap in coverage you may also get a separate Form 1095-A for each coverage period.
If you have not received your Form 1095-A by early February:
If you moved and have not informed MNsure of your address change, your form may be forwarded by the U.S. Postal Service if you have a forwarding order in place. If there is no forwarding order, your form cannot be delivered. You need to call the MNsure Contact Center to update your address and request a new Form 1095-A. After your address change has been completed, the form will be mailed.
You can find additional resources and links from the list below.
You received Form 1095-B because you or someone in your household was enrolled in Medical Assistance or MinnesotaCare during the tax year. The Minnesota Department of Human Services sends Form 1095-B, not MNsure. For additional information about Form 1095-B, please visit the Department of Human Services' website.
Form 1095-C, Employer-provided Health Insurance Offer and Coverage, is used by employers with 50 or more full-time employees to report required information about offers of health coverage and enrollment in health coverage for their employees. You receive Form 1095-C if your employer is an applicable large employer and subject to the employer shared responsibility provision in the Affordable Care Act. Form 1095-C includes information about health insurance coverage offered to you and your family members by the employer. More information is available on the IRS website.
All households who were enrolled in a private health plan through MNsure, regardless of whether members of the household received a tax credit, will receive IRS Form 1095-A. Each member of a tax household who is on the same policy will be listed together on one form. MNsure will mail Form 1095-A to the policyholder's most recent mailing address provided to us.
No, Form 1095-A is not issued for Medical Assistance or MinnesotaCare. Form 1095-B is sent by the Minnesota Department of Human Services to those who had Medical Assistance or MinnesotaCare coverage. You can find more information about Form 1095-B on the DHS website.
If some members of your household enrolled in a private health plan and other members enrolled in Medical Assistance or MinnesotaCare, you will receive Form 1095-A for those family members enrolled in a private health plan. You will receive a Form 1095-B for those members of your household who were enrolled in Medical Assistance or MinnesotaCare. You do not need to get your Form 1095-B before filing your taxes.
If you were enrolled in coverage through MNsure during the tax year and you did not receive a Form 1095-A, call the MNsure Contact Center as soon as possible.
Form 1095-A will not be sent to consumers who:
If you moved and did not inform MNsure of your address change, you need to call the MNsure Contact Center to update your address and request a new Form 1095-A. After your address change has been completed, the form will be mailed.
No. You should not receive a Form 1095-A for a catastrophic plan purchased through MNsure because these plans are not eligible for the premium tax credit.
In 2022, the catastrophic plans listed below were offered on MNsure. If you purchased one of these plans you will not receive a Form 1095-A.
No, you should not receive a separate 1095-A for a stand-alone dental plan purchased through MNsure. If you purchased a pediatric stand-alone dental plan, your monthly premium amount will be added to the monthly premium for your medical plan in Part III Column A of your 1095-A. If you purchased a family stand-alone dental plan, but have a child under the age of 19 using the pediatric portion of those benefits, the premium for those pediatric benefits will be added to the total monthly premium as well.
The premium amount for the applicable SLCSP is used to calculate the maximum amount of advanced premium tax credit that could be applied to your coverage each month and to compute the total amount of premium tax credit you can claim on your return.
If you or a member of your household wants to claim the premium tax credit on your tax return, you will need the premium amount for your applicable SLCSP to complete Form 8962 and claim the tax credit.
These columns will be completed only for the months that you had coverage.
Form 1095-A reflects the advanced premium tax credit (APTC) amount that was actually paid to the health plan for your coverage during the year. This information is included in Column C of Part III. If APTC payments are not applied to your coverage, then Column C will be marked as zero.
You can complete Form 8962 (Premium Tax Credit) to determine if you can claim the premium tax credit on your income tax return. Form 8962 is used to reconcile the amount of any APTC that was applied to your coverage during the year or to claim the premium tax credit if you are eligible.
If you have questions about Form 8962 or other tax-related questions, please visit www.irs.gov or talk with a tax preparer.
Federal regulations allow premium tax credits to be used only for benefits that are considered essential health benefits and may not be used for benefits that are not considered essential health benefits, such as acupuncture.
Your 1095-A form provides information for you to either claim your tax credits as a lump sum or to reconcile the tax credits you received in advance each month to help pay for your premium. Because of this, the form only includes the premium amount that covers essential health benefits. For tax year 2022, the essential health benefits rate is between 99.88% and 100% of your monthly premium, depending on your plan.
If you are receiving a tax credit, the law requires your insurance company to keep you covered under your health insurance plan for a certain period of time, even if you are not paying premiums. This is called a grace period.
If you don't start paying your premiums again by the end of the grace period (after 90 days), your health insurance coverage is terminated. Even if your coverage is terminated, your insurance company counts you as covered during the first month you stopped paying.
If your coverage is terminated because you did not pay your monthly premiums, the IRS will still hold you responsible when you file your taxes for the tax credit applied to your coverage during the first month you stopped paying.
The insurance companies all have legal names and marketing names, which may or may not be the same. For the purposes of Form 1095-A, we are required by law to indicate the legal name in Part I Box 3, "Policy issuer's name." The list below shows the legal and marketing names.
If you or a member of your household reported a life event that resulted in a change to your health coverage during the tax year, such as having a baby or moving, that change could have affected the information included on your Form 1095-A. Carefully review the monthly amounts in Part III of your Form 1095-A.
If you added a member of your family, such as a child or spouse, to your plan during the coverage year and this is not represented on your Form 1095-A, then you may need a corrected Form 1095-A. You should contact MNsure as soon as possible.
Please be prepared to provide your phone number and email address so we can follow up with you if needed.
If information on your 1095-A is incorrect and you contact MNsure to request a corrected form, we will review our records to determine whether a correction is appropriate. In some instances, MNsure will not send a corrected Form 1095-A.
Here is what you should know:
Please contact us as soon as possible if any of the following information provided on your 1095-A appears incorrect.
If the "CORRECTED" box at the top of Form 1095-A is checked, it means MNsure has researched and corrected inaccurate enrollment information originally provided to you and to the IRS. You should use the information on the corrected form to file your tax return.
If the "VOID" box is checked at the top of your 1095-A form, it means the 1095-A you previously received was sent in error. You shouldn't have received a Form 1095-A for the plan listed on the original form.
You might need to file an amended federal and Minnesota income tax return if:
If you file an amended federal return, you may also need to amend your Minnesota state tax return.
For more information, visit www.irs.gov and enter the keywords "amended return."