If You Didn’t Receive Your Tax Forms | Covered California™ (2024)

FAQs

What happens if I did not receive my 1095-A? ›

If you have not received your Form 1095-A or you received an incorrect 1095-A, you should contact the Marketplace from which you received coverage. If you receive a corrected or voided Form 1095-A, you may need to amend your return.

Members of Covered CA can access their 1095-A Forms via mail or through a secure online portal, depending on their chosen method of communication with Covered CA. If email is the selected mode, it's crucial to anticipate an email notification from Covered CA towards January's end.

If the taxpayer is expecting to receive Form 3895 and doesn't have it by early February, they should log into their account at Covered California. A return will include both Forms 3849 and 3853 if the taxpayer was covered by MEC for only part of the year.

If you don't report the change, you could have to pay money back when you file your federal tax return. The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance.

Please note that the Internal Revenue Service (IRS) or Franchise Tax Board (FTB) may require proof of your coverage by requesting a copy of your Form 1095-B. DHCS strongly suggests you keep your Form 1095-B for your records.

Some taxpayers may not receive a Form 1095-B or Form 1095-C by the time they are ready to file their tax return. While the information on these forms may assist in preparing a return, they are not required. Individual taxpayers should not wait for these forms and file their returns as they normally would.

Whether you get financial help or not, health coverage is part of filing your taxes. Unless you report that you had health coverage, you may have to pay a state tax penalty. If you received federal or state financial help, you'll report that as well.

If there's a difference between the amount of the premium tax credit you used during the year and the amount you actually qualify for, it will impact your refund or the amount of taxes you owe. You'll include Form 8962 with your federal tax return. Get details on how to reconcile.

By Jan. 31 of each year, Covered California sends the federal IRS form 1095-A Health Insurance Marketplace statement to members. This form is used to: Provide information for your federal taxes.

If you chose email as your communication preference, you will receive an email that your tax forms are available to access through your Covered California secured mailbox. You will need to sign in to your account to download and print your forms.

What happens if I underestimate my income for Covered California? ›

They will inquire about your tax return from the IRS and other databases. If you underestimated your income for that year and received a subsidy, you will need to pay the entire subsidy back the next time you file your taxes. You must report income changes to Covered California within 30 days.

Note: If you can't find your 1095-A in your Marketplace account, contact the Marketplace Call Center.

The Covered California income limits require consumers to have a household income that ranges from 0% to 400% of the Federal Poverty Level (FPL) in order to qualify for assistance on a government health insurance plan. See the Covered California 2024 income limits chart below.

For most members, coverage is renewed automatically.

If your income is more than what you told us on your application, you may have to repay some or all of the advanced premium tax credits that you got.

If a consumer's communication preference is mail, they will receive their IRS Form 1095-A in the mail. All consumers can access their IRS Form 1095-A in their CalHEERS account “home page,” or under "Documents & Correspondence,” even if their preference is mail.

A 1095 form is a tax document which provides you with proof of insurance required under the Affordable Care Act (ACA). It includes information needed to report on your tax return and is for your records only. This form is not needed to submit with your tax return.

If you bought health insurance through one of the Health Care Exchanges, also known as Marketplaces, you should receive a Form 1095-A that provides information about your insurance policy, your premiums (the cost you pay for insurance), any advance payment of premium tax credit and the people in your household covered ...