If you or anyone in your household had ACA Marketplace health insurance during the year, you'll receive Form 1095-A (the Health Insurance Marketplace Statement) — usually by mid-January, by mail and in your online Marketplace account. It is not junk mail, and you'll need it to file your taxes.
What it shows: Form 1095-A lists who was covered, your monthly premiums, and — most importantly — the advance premium tax credit (the subsidy) paid to your insurance company on your behalf each month.
Why it matters: Your subsidy was based on the income you *estimated* when you enrolled. At tax time, the IRS reconciles that estimate against what you actually earned, using Form 8962. If you earned less than estimated, you may get additional credit back as a refund. If you earned more, you may owe some of the subsidy back.
What to do with it: Give it to your tax preparer, or enter it into your tax software when prompted — the software fills out Form 8962 for you. Don't file your return without it if you had Marketplace coverage; the IRS will typically reject or hold returns that are missing the reconciliation.
If it's wrong or missing: Check the covered months, premium amounts, and household members carefully. Errors are corrected through the Marketplace (not the IRS) — request a corrected form before filing. If it never arrived, don't wait on hold with a federal call center — call Utah Healthcare Agency and we'll help you track down or correct your 1095-A.
One practical takeaway for next year: report income changes to the Marketplace during the year as they happen. That keeps your subsidy accurate month to month, so tax season brings no surprises. If your 1095-A raises questions, we're happy to walk through it with you.