Covered California
Outreach and Sales Division
OutreachandSales@covered.ca.gov Page 1 of 2 December 27, 2023
IRS Form 1095-A Quick Guide
Overview
Covered California supplies an annual Health Insurance Marketplace Statement, also known
as IRS Form 1095-A, to all consumers enrolled in a 2023 Covered California Plan and to the
IRS for tax filing purposes. IRS Form 1095-A is an important federal tax document that serves
as proof of coverage for individuals to take the premium tax credit, reconcile the credit on their
returns with advance payments of the premium tax credit, and file an accurate tax return to
avoid paying the federal tax penalty for the 2023 tax year.
The 1095-A is generated for each enrolled plan, regardless of if Advanced Premium Tax
Credit (APTC) was applied. The amounts displayed on the 1095-A reflect how much was paid
to Covered California Health Insurance companies to help with the cost of a consumer’s health
coverage. A 1095-A helps ensure the amount of APTC applied in 2023 is accurately reported
and serves as proof of Minimum Essential Coverage.
Information displayed on 1095-A
• All consumers enrolled in a Covered California health plan (except Minimum Coverage
plans).
• All months an enrolled member had coverage through Covered California.
• Monthly health plan premiums before APTC was applied.
• Monthly APTC paid to the health plan insurance agency on the consumer’s behalf.
• Monthly premium for the second lowest-cost Silver plan in the consumer’s rating region.
Important Information to Help Consumers:
• Consumers should receive IRS Form 1095-A from Covered California by January 31, if
they have not received it already.
• If a consumer’s communication preference is email, they will receive an email from
Covered California with instructions to sign in their CalHEERS account and download
their IRS Form 1095-A. They will not receive their Form 1095-A in the mail.
• If a consumer's communication preference is mail, they will receive their IRS Form
1095-A in the mail.
• All consumers can access their IRS Form 1095-A in their CalHEERS account “home
page,” or under "Documents & Correspondence,” even if their preference is mail.
Consumer Didn’t Receive 1095-A?
• Consumers may log into their CalHEERS account to access their Secure Mailbox
o If the consumer’s account is currently terminated or they did not create an online
account, they should call the Covered California Service Center (800-300-1506)
for assistance.
o A hard copy will be mailed by January 31, 2024.
• Consumers will not receive a 1095-A if they were enrolled in Medi-Cal, enrolled in a
Minimum Coverage plan through Covered California or have employer-sponsored
health coverage.
o These consumers may receive a 1095 Form B or C.
Covered California
Outreach and Sales Division
OutreachandSales@covered.ca.gov Page 2 of 2 December 27, 2023
IRS Form 1095-A Quick Guide
Updating Incorrect Information on 1095-A
• Contact the Covered California Service Center (800-300-1506) to update:
o Name
o Date of birth
o Social Security Number
o Mailing Address
• Complete a required 1095-A Dispute Form or call the Covered California Service Center
(800-300-1506) for assistance submitting the form to correct:
o Coverage start or termination dates (or both) for listed members
o Monthly health plan premiums
o Monthly APTC
o Missing consumers enrolled on a Covered California health plan
o Members listed that were not in a consumer’s household
• If Covered California determines the updated information provided is correct, a new,
corrected 1095-A will be mailed to the consumer.
Updating Incorrect Information for Households with Medi-Cal Members/Mixed
Households
• The following information on a 1095-A for any Medi-Cal Members/Mixed Households
MUST be corrected by a County Eligibility Worker
o Name
o Date of birth
o Social Security Number
o Mailing Address
All other coverage information on 1095-A may be corrected by completing a required 1095-A
Dispute Form. The dispute form is currently only available in English. For assistance in
Spanish or any other language, please contact Covered California at 800-300-1506.
How To Assist Consumers
• Explain what the form is and what it means.
• Explain the timing for receiving the Form, and that it is an important tax document.
• Show consumers how to access the 1095-A in their online account.
• Explain how to review Form 1095-A for accuracy.
• Ensure consumers are aware of the implications of not providing the information on their
taxes.
• Help consumers understand their next steps in APTC reconciliation.
• Ensure consumers are aware that they may complete the 1095-A Dispute Form and any
older version of the 1095-A Dispute Form will not be accepted.
• Contact our Covered California service center for further assistance.
