Why the 1095-A Form Is One of the Most Important Tax Documents You Will Receive
- Carlos Sosa
- 4 hours ago
- 3 min read
And How Doctor Insurance One Helps You Get It Fast
Every year between January and early February, people enrolled in a Health Insurance Marketplace plan (commonly known as Obamacare coverage) receive a document called Form 1095-A.
Many ignores it.
Many never receive it by mail.
And many bring their taxes to the preparer without it.
That mistake can delay your refund, reduce your refund, or even create an IRS debt.
Here we will explains clearly:
What the 1095-A is
Why it is critical for your 2026 tax filing
What happens if you file taxes without it
How Doctor Insurance One can retrieve it for you even if you never got it
What Is the 1095-A Form?
Form 1095-A Health Insurance Marketplace Statement is the official record of:
The health plan you had during 2025
The monthly premium cost
The government subsidy (Advance Premium Tax Credit – APTC) paid on your behalf
This document is NOT optional when you had Marketplace coverage.
It is used to complete IRS Form 8962, which calculates whether:
You received the correct subsidy
You must pay money back
Or you qualify for a larger refund
Why It Is Required for Your 2026 Taxes
What happens when you file taxes in 2026 (for tax year 2025):
the IRS compares your actual income vs the income you estimated when you applied for health insurance.
The 1095-A is the only document that allows your tax preparer to reconcile that subsidy.
Without it:
Your tax return is incomplete
The IRS will reject or suspend processing
Your refund will be frozen
What Happens If You File Without the 1095-A
This is extremely common issue. The IRS sends a letter requesting Form 8962 + 1095-A with a deadline to provide it, and until you provide it, your taxes stay on hold.
Typical consequences:
Your Refund gets delayed and may wait months for your refund.
IRS will letter you:
Asking for corrections.
For Balance Due If subsidy was underestimated, IRS may bill you.
Future Coverage Problems, Marketplace may block future enrollments until reconciled.
Common Situations We See Every Year
“My tax person said they need a paper I never got”
“I moved and never received the mail”
“My HealthCare.gov account is locked”
“I forgot my username/password”
“My agent disappeared”
“I had insurance only a few months”
All of these still require a 1095-A.
How Doctor Insurance One Helps You Retrieve It
You do NOT need to spend hours on the Marketplace phone line.
Doctor Insurance One can access your Marketplace record and download your 1095-A securely.
We Can Help Even If:
You forgot your login
You never created an account
You changed phone/email
You moved to a new address
You had multiple policies in the year
You had coverage only part of the year
We handle this for our clients every year and we get it solved in minutes.
What You Need To Provide Us
Just your Full name, Date of birth and State of the Application and we handle the rest for you.
Why You Should Do This Early
Every year in March and April:
Marketplace phone lines collapse
Wait times exceed 2–3 hours
IRS processing slows dramatically
Retrieving your 1095-A early prevents refund delays.
Final Advice
If you had Marketplace insurance in 2025, your taxes cannot be correctly filed without the 1095-A.
Even if:
You only had it for one month
You paid $0 monthly premium
Someone else helped you apply
You cancelled the plan
You still need it.
Need Help Getting Your 1095-A?
Doctor Insurance One retrieves it for you quickly and securely so your tax preparer can file your return without problems.
Contact us and we will get it ready for you.