Last Updated April 7, 2026
Navigating Tax Season with a 1095-A
At Your Health Idaho, we want to make sure you have the information you need to file your taxes as efficiently as possible. If you received health insurance through Your Health Idaho and received an Advance Premium Tax Credit (APTC), you’re required to file a federal tax return.
Why You Need to File
When you receive a tax credit through Your Health Idaho, that credit is based on your estimated income for the year. Now that it’s time to file, you will use your actual income for 2025 to reconcile the amount of tax credits you received during the year. This is typically the same amount or similar enough that it has little to no impact on your tax return.
If there is a difference, it will simply be reported on your Form 8962: Premium Tax Credit. This ensures you received and used the correct credit amount based on your actual income. You will either pay back the difference or receive an amount back.
To continue to be eligible for the APTC in the future, you must file your taxes and reconcile your tax credit.
To reconcile, start with Form 1095-A: Health Insurance Marketplace Statement. Use the information on that document to fill out Form 8962: Premium Tax Credit.
What Is Form 1095-A?
Form 1095-A is your Health Insurance Marketplace Statement. It includes information about:
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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 APTC received each month
Form 1095-A is not required for catastrophic or stand-alone dental plans.
How to Access Your Form 1095-A
Your 1095-A was sent to your personal Your Health Idaho secure inbox and to the IRS by January 31. If you opted for print copy delivery, it will also be delivered to you via U.S. mail. A 1095-A form will be sent for each household member enrolled in a separate health insurance plan through Your Health Idaho. If you switched plans multiple times throughout the year, you will receive multiple 1095-As.
To download a copy of your 1095-A:
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- Log in to your account on YourHealthIdaho.org
- Click My Inbox in the My Stuff section
- Click the From or Subject link to view a notice. The 1095-A notice is named: Form 1095-A 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
- If you have forgotten your password or need to reset it, visit our Resetting Your Password page.
How to Complete Your Form 8962 and Reconcile Your Tax Credit
All the information you need to complete the form is located on the 1095-A you received from Your Health Idaho:
- Use that information to complete Part II of Form 8962: Premium Tax Credit
- Send Form 8962 with your income tax return and keep the 1095-A with your records
- If you need a blank copy of Form 8962, you can download one from the IRS website
Part III of Form 1095-A. Use this section to fill out Form 8962
Part II of Form 8962. You will use part III of your 1095-A to fill out this section.
Filing Your Taxes on Time
Filing your taxes on time helps avoid issues with enrolling in future coverage.
For help filling out Form 8962 or submitting your tax return, please contact an accountant, tax preparer, or visit www.IRS.gov. The IRS website has several resources to help you file. Learn more with the IRS Guide to Community-Based Free Tax Preparation.
The IRS has a Form 8962 FAQ page that explains how to correct an electronically filed return rejected for missing Form 8962.
If you have questions or would like more information, contact one of our Customer Advocates at 855-944-3246 or chat live at YourHealthIdaho.org.
You can visit the Find Help page to find a Your Health Idaho certified agent or broker in your area at no cost who can answer questions regarding your plan.
Frequently Asked Questions
What if I see an error?
If you find an error on your 1095-A, contact the Your Health Idaho Customer Support Center immediately at 855-944-3246 or via chat at YourHealthIdaho.org. A corrected form will be sent to you.
Do not file your taxes until you have an accurate 1095-A for all household members
What if I can’t find my 1095-A?
Still can’t locate your form? We’re here to help! Call us at 855-944-3246 or chat live at YourHealthIdaho.org. We can help you access your 1095-A or send you a new copy.
Why did Your Health Idaho send my 1095-A to the IRS?
Your Health Idaho is required to send a 1095-A to every individual enrolled in health coverage through the health insurance marketplace. And just like a W-2 or a 1099, we are also required to send copies of 1095-As to the IRS.
What if I received a 1095-B
A 1095-B is sent to individuals who had health coverage outside of Your Health Idaho, like Medicare, the Children’s Health Insurance Program (CHIP), or other private health insurance companies.
What if I received a 1095-C?
A 1095-C is sent to individuals who had health coverage outside of Your Health Idaho with employer-provided coverage.