Why You Need to File Your Federal Return Every Tax Season
If you purchased health insurance through Your Health Idaho and received an Advance Premium Tax Credit (APTC), you’re required to file your federal tax return to validate or reconcile the amount of tax credits you received during the year. This ensures you received and used the correct credit amount based on your actual income at the end of the year.
Congressional action in 2025 makes annual reconciliation mandatory for every consumer who receives a tax credit. Failure to reconcile annually will result in the loss of APTC eligibility for the following plan year.
To reconcile your credit this tax season, use Form 1095-A: Health insurance Marketplace Statement to fill out Form 8962: Premium Tax Credit.
How to Access Your Form 1095-A
You’ll receive Form 1095-A: Health Insurance Marketplace Statement from Your Health Idaho. This form is sent to your Your Health Idaho secure inbox and the IRS by January 31. If you opt to receive a print copy, it will also be sent to you via U.S. mail.
Your 1095-A includes information about your health coverage received through Your Health Idaho, including:
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- Household members enrolled in a health plan
- How long each household member had health insurance during the year
- The cost of your monthly health insurance premiums
- The amount of Advance Premium Tax Credit (APTC) received each month
A 1095-A form will be sent for each household member enrolled in a separate health insurance plan through Your Health Idaho. You will also receive multiple 1095-As if you switched plans during the year.
To download a copy of your 1095-A from your secure Your Health Idaho inbox:
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- Log in to your account on YourHealthIdaho.org.
- Click My Inbox in the My Stuff
- Click the From or Subject link to view a notice. The 1095-A notice is named Form 1095A for [your insurance company].
- In Attachments, select the file name to download the form.
- Download all 1095-A tax forms for the year in your inbox.
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If you check your 1095-A tax statement and find an error, contact Your Health Idaho at 855-944-3246. If there is an error, you’ll receive a corrected 1095-A tax statement. Do not file your taxes until you have an accurate form 1095-A for all members of your household.
How to Complete Your Form 8932 and Reconcile Your Tax Credit
Once you receive your 1095-A form, you will use the information on the document to complete part II of Form 8962: Premium Tax Credit.
File Form 8962 with Your Federal Return This Tax Season
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- Attach Form 8962 when you file your federal tax return. Be sure to keep your 1095-A for your records.
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Click here to learn how to correct an electronically filed return rejected for missing Form 8962.
For help filling out Form 8962 or submitting your tax return, please contact an accountant, tax preparer, or visit www.irs.gov.
NOTE: Form 1095-A is not required for catastrophic or stand-alone dental plans.
The IRS website has several available resources to help you file your taxes. Learn more here.