How to find your 1095-A on Covered California
It’s tax time and if you received a subsidy to pay for your health insurance, you need your 1095-A, “Health Insurance Marketplace Statement,” the tax form that reports how much of a subsidy you received.
The “subsidy” is actually a tax credit that you received in monthly chunks to help you pay your premium. It’s technically called the “Advance Premium Tax Credit,” and the amount you received is based on your estimated Adjusted Gross Income (AGI) and the size of your family.
Now it’s time to settle up with the federal government. Did you receive the right amount of subsidy, too much, or not enough based on the actual AGI you are reporting on your tax return? To figure that out, the first document you need is your 1095-A.
Covered California is supposed to mail your 1095-A by January 31 each year, but many people don’t receive it for some reason, and they can’t do their taxes until they get it.
The good news is that it is sitting right there in your Covered CA online account and can be easily downloaded.
The bad news is that it is impossible to find unless you know exactly where to look – it’s like a buried treasure.
Well here’s your map. This is a step-by-step guide to quickly and easily download your 1095-A. Until Covered CA makes it easier to find (I’ve implored them to put this link right on your home page – duh!), this same map will get you there every year.
Step 1: Log in to your Covered CA account at https://apply.coveredca.com/static/lw-web/login
Step 2: Find the link called “View Past Application” in the bottom right-hand column and click on it. Here’s a screenshot of my home page. See the arrow at the bottom? [Note: This poorly named link is actually the archive of your entire Covered CA account!]
Step 3: Open “Documents and Correspondence” by clicking on the link in the left-hand column.
Step 4: Find your 1095-A, which should be right near the top of the document list. Click on “Select One” and then “View.” Magically, your 1095-A will download to your computer. Viola!
That’s it – buried treasure found. It’s really that simple once you know where to look.