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I bought a health care plan on a state exchange but do not receive a subsidy and so did not receive a 1095-A form. However, on my federal income taxes, it is asking "Did you have health insurance from the Federal Health Insurance Marketplace (healthcare.gov) or a state-based exchange (Form 1095-A)?" and when I say yes, it requires submission of data from the 1095-A form, and says that if I don't provide it, the IRS might automatically reject the return.

I could submit "no" for the question about having a marketplace plan, presuming they mean did you get a subsidy for such a plan, but it isn't literally true.

Edit: I reached out to the customer support of my state (New Jersey) exchange and they said categorically that no one without a subsidy gets a 1095-A in my state.

Any advice?

1 Answer 1

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I bought a health care plan on a state exchange but do not receive a subsidy and so did not receive a 1095-A form

You should have received the form 1095-A regardless of whether you received a subsidy or not.

See the instructions to the form 1095-A:

Health Insurance Marketplaces must file Form 1095-A to report information on all enrollments in qualified health plans in the individual market through the Marketplace

Reach out to the marketplace operator and ask them to provide it to you.

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  • I reached out to their customer support and the representative said adamantly that forms are only sent to people with subsidies. What should I do now?
    – ak0000
    Commented Mar 21, 2023 at 20:56
  • These are usually state-run. Which State is that? Call your representative.
    – littleadv
    Commented Mar 21, 2023 at 21:04
  • The state is NJ, the representative of the NJ exchange I spoke to said they didn't send 1095-A forms to people who don't receive subsidies
    – ak0000
    Commented Mar 21, 2023 at 21:13
  • @ak0000 your representative in State legislature.
    – littleadv
    Commented Mar 21, 2023 at 21:14
  • Got it, interesting, thanks
    – ak0000
    Commented Mar 21, 2023 at 21:16

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