No, you do not need to enter Form 1095-A if you did not receive one. However, whether you need it depends on whether you had Marketplace coverage.
When You May Not Need Form 1095-A
You do not need Form 1095-A if:
- No Marketplace Coverage:
You did not enroll in a health plan through the Health Insurance Marketplace
- Other Coverage Types:
You had coverage through:- An employer
- A private insurer (outside the Marketplace)
- Government programs (e.g., Medicaid, Medicare)
- Catastrophic or Stand-Alone Dental Plans:
These do not generate Form 1095-A
When Form 1095-A IS Required
You must have Form 1095-A if:
- You enrolled in a Marketplace plan for any month, OR
- Advance Premium Tax Credit (APTC) was paid on your behalf
In these cases, you are required to file Form 8962 to:
- Reconcile APTC (Part II, lines 12–23)
- Calculate your final Premium Tax Credit (line 24)
What to Do If You Should Have Received Form 1095-A
- Contact your Marketplace (e.g., HealthCare.gov or state exchange)
- Download it from your Marketplace account
- Wait for a corrected Form 1095-A if errors exist before filing
Important Notes
- Form 1095-A is not filed with your return, but its information is required to complete Form 8962
- If APTC was paid and you do not file Form 8962, your return will be rejected or delayed
- If you had no Marketplace coverage, you do not file Form 8962 at all
Source:
Form 1095-A Instructions (2025)
Disclaimer: Always verify information with the official IRS forms and instructions or consult a tax professional for personalized advice. The information provided is general and may not apply to your specific situation.