If you or anyone in your household enrolls in a Qualified Health Plan (QHP) through Access Health CT, you will receive a Form 1095-A from Access Health CT. You will need this form  to complete your federal income tax return - even if you did not receive financial help (premium tax credit amounts) or were only enrolled for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A. 

Access Health CT sends a 1095-A to the primary tax filer in the household by January 31 of each year. The 1095-A will have information about the prior coverage year (ex: if you had coverage in 2019, the Form 1095-A was issued by January 31, 2020).

Did You Know? If you have an online account, you can view or print your Form 1095-A online! Sign in at AccessHealthCT.com and click "Get My Tax Forms."

What is a 1095-A?

A 1095-A is a tax form issued by Access Health CT. It is sent to the primary tax filer in the household and will include all members of the household who were enrolled in a qualified health plan.

Form 1095-A shows:

• Who had qualified coverage in your household, 
• Your household plan information and the monthly payment (known as a premium),
• The amount of money paid to your insurance company to help lower your monthly costs (known as advanced payments of Premium Tax Credits or APTC).

Who will receive Form 1095-A from Access Health CT?

The primary tax filer in a household, where at least one household member was enrolled in a Qualified Health Plan (QHP) through Access Health CT in the previous calendar year.

Who Will NOT receive a Form 1095-A from Access Health CT?

1. Individuals who were enrolled in a Catastrophic Plan through Access Health CT will NOT receive a Form 1095-A for their coverage.

2.  Individuals who had HUSKY Health Coverage (Medicaid or the Children's Health Insurance Program (CHIP)) can request a Form 1095-B from the Department of Social Services, not Access Health CT.

3. You should expect a Form 1095-C if you were enrolled in coverage through your employer or through Medicare. If you have questions, please contact your employer or the Centers for Medicare and Medicaid Services (CMS). 

Why is the 1095-A Important?

The 1095-A is used by a primary tax filer to:

• Reconcile advance payments of the Premium Tax Credit (APTCs/financial help), on their federal income tax return
• Complete IRS Form 8962 as part of ones federal income tax return, which the IRS uses to determine whether you received the correct amount of APTCs (financial help). Form 8962 forms can be downloaded at the irs.gov website. Please see a tax professional for help with completing Form 8962. 

Where can I find my Form 1095-A?

Sign in to your Access Health CT account and click "Get My Tax Forms". (If you don't find your Form 1095-A, you can also click "Read My Messages" and type "1095" in the search bar to retrieve your Form 1095-A. If you cannot locate your form, please contact us). You may need to reset your password if it’s been a while since you logged in.

Remember when filing your taxes:

• If you received APTCs (financial help) and you do not file your tax return with Form 8962 to reconcile your Premium Tax Credit amounts, you will not be able to receive Premium Tax Credits amounts in future years until you file your federal tax return. 

• If your filing or income information has changed since you applied for healthcare coverage, you may have to pay back some or all of the Premium Tax Credit amounts (financial help) you received.

Some related topics:

• Information for Customers with a Qualified Health Plan
• Form 1095-B and Form 1095-C
• Learn More about Estimating Your Income
• Financial Help – advanced payments of Premium Tax Credits (APTCs)