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 (Advance Premium Tax Credits) or were only enrolled in a QHP for one month. Individuals enrolled in a Catastrophic plan will not receive a Form 1095-A. 

Access Health CT mails a 1095-A to the primary tax filer in a household by January 31 of each year. Form 1095-A will have information about the prior coverage year (ex: if you had coverage in 2023, the Form 1095-A will be issued by January 31, 2024).

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 Form 1095-A?

Form 1095-A is a tax form issued by Access Health CT. It is sent to the primary tax filer in a 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 Advance Premium Tax Credits or APTCs).

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 Connecticut 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 Form 1095-A Important?

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

• Reconcile Advance Premium Tax Credits (APTCs) on their federal income tax return by completing IRS Form 8962, which the IRS uses to determine whether you received the correct amount of Advance Premium Tax Credits (APTCs). Form 8962 can be downloaded on 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 Advance Premium Tax Credits (APTCs) and you do not file your tax return with Form 8962 to reconcile your APTC amounts, you may not be able to receive APTCs in future years until you complete Form 8962 and file it with your federal tax return. 
• If you filed your federal tax return electronically and it was rejected for a missing Form 8962, you may need to resubmit your federal tax return with a completed Form 8962 or an explanation for why you are missing the form, and then attach it to the federal return when you refile.  Learn how to fix it and correctly file electronically

• If your filing or income information has changed since you applied for health coverage, you may have to pay back some or all of the Advance 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: Advance Premium Tax Credits (APTCs)