As part of our commitment to keeping you informed, we want to remind you about the importance of IRS Form 1095-A, a key document for anyone enrolled through Covered California.
What Is Form 1095-A?
The 1095-A is a federal tax document issued by Covered California. It confirms that you had Minimum Essential Health Coverage and shows any federal premium tax credits that were paid on your behalf to help reduce your monthly health insurance premiums. A copy of this form is also provided to the IRS.
When and How You’ll Receive Your 1095-A
Covered California typically begins issuing 1095-A forms in the last week of January 2026 (for your 2025 coverage).
- By mail: If you selected mail as your preferred communication method, your form will be mailed to you.
- Online: If you chose electronic delivery, you will receive an email from Covered California with instructions to log into your account and download your form. No paper copy will be mailed.
You can always access your 1095-A by signing into your Covered California account and checking the Home Page or Documents & Correspondence section.
Other 1095 Forms You May Receive
Depending on how you receive coverage, you may receive a different version of the 1095 form:
- 1095-A – Covered California plans
- 1095-B – Government programs such as Medi-Cal or Medicare
- 1095-C – Employers with 50 or more employees
If you do not receive the appropriate form by early February, please contact the organization responsible for issuing it.
Why the 1095-A Is Important for Your Taxes
If you enrolled through Covered California and received federal premium assistance, the IRS requires you to reconcile that assistance when filing your federal tax return.
You (or your tax preparer) will use:
- Your 1095-A
- IRS Form 1040
- IRS Form 8962 (Premium Tax Credit Reconciliation)
This reconciliation determines whether:
- You received too much premium assistance and may need to repay a portion, or
- You received too little and may qualify for an additional tax credit.
Changes in income during the year—such as retirement, reduced work hours, or increased earnings—can significantly affect this calculation.
We’re Here to Help
While Solid Health Insurance Services does not provide tax advice, we are always happy to help you understand how your health coverage works and what documents to look for.
If you have questions about your coverage, income updates, or planning ahead for the year, please feel free to reach out.
Barbara G. Kempen
Solid Health Insurance Services
📞 310-331-0804
📧 barb@solidhealthinsurance.com
🌐 www.solidhealthinsurance.com
