As tax season approaches, Covered California, the state's health insurance marketplace, is gearing up to send out an essential document – the IRS Form 1095-A Health Insurance Marketplace Statement. This document holds significant importance for consumers, serving as proof of Minimum Essential Coverage and playing a crucial role in claiming the premium tax credit.

The Purpose of Form 1095-A

The primary purpose of IRS Form 1095-A is to help individuals reconcile any Advanced Premium Tax Credit (APTC) received throughout the year. It also aids in filing accurate tax returns for the 2023 tax year, shedding light on the amount paid to Covered California Qualified Health Plans to assist with the costs of health coverage.

One key aspect to note is that IRS Form 1095-A is generated for each enrolled plan, excluding minimum coverage plans. This means that even if APTC was not applied, consumers will receive this form for each plan they were enrolled in. If there were changes in plans or gaps in coverage during 2023, enrollees might receive multiple 1095-A forms.

Covered California understands the urgency of this information and strives to make the process as seamless as possible for consumers. To ensure individuals are well-prepared for tax season, here are some important details:

Delivery Timing

Covered California will dispatch IRS 1095-A forms by January 31, 2024. Enrollees should keep an eye out for these essential documents, as they are critical for accurate tax filing.

Communication Preferences

Enrollees can choose their communication preferences, either email or mail. Those who opt for email will receive instructions from Covered California to sign into their CalHEERS account and download their forms. On the other hand, those who prefer mail will receive their forms through traditional mail, though some may arrive after January 31.


Accessing Forms

Regardless of communication preferences, all consumers can access their IRS Form 1095-A conveniently from their CalHEERS account Home Page or under Documents & Correspondence. This ensures that individuals can easily retrieve this important document whenever they need it, streamlining the tax filing process.

What to Do If You Don’t Receive Your Form

As we approach tax season, watch for your necessary tax forms to arrive in the mail. If you can’t locate your form or if you have questions about it, call the member services phone number listed on your health insurance ID card. Your insurance carrier must provide these forms to you. 

By understanding the significance of IRS Form 1095-A and staying informed about its delivery and access methods, you can ensure a smooth and accurate tax return process for the 2023 tax year.