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Tax Questions Relating to Nevada Exchange Plan Premium Subsidies

What is Form 1095-A?

Form 1095-A is a tax form that will be sent to consumers that have been enrolled in health insurance through Nevada Health Link in the past year. Just like you get a W-2 from your employer, you'll be getting a form from Nevada Health Link - Form 1095-A - you'll need it for your taxes. Keep it alongside your W-2 and other tax records. Similar to how tax households receive multiple W-2s if individuals have multiple jobs; some tax households will get multiple Form 1095-As if they were covered under different plans or changed plans during the year.

If anyone in your tax household enrolled in a health plan through Nevada Health Link in 2014, you'll get a Form 1095-A — Health Insurance Marketplace Statement. Nevada Health Link mailed Form 1095-A in early February. Use the form to file your 2014 federal income tax return.

What do I do with Form 1095-A?

Consumers use the information included on Form 1095-A to complete Form 8962, the Premium Tax Credit form. Consumers file Form 8962 with their tax returns if they want to claim the premium tax creditor if they received premium assistance through advance credit payments made to their insurance provider (whether or not they otherwise are required to file a tax return) (APTC).

What information is on Form 1095-A?

Information about anyone in consumers' tax households who enrolled in a health plan through Nevada Health Link for 2014:

  • The premium for the plan or plans that consumers enrolled in.
  • The amount of advance payments of the premium tax credit to consumers' health plan issuers on their behalves in 2014. These are the payments that lowered what consumers paid for the essential health benefits portion of their monthly premiums.
  • The premium for a benchmark plan (the second lowest cost silver plan) consumers use to calculate the amount of their premium tax credit.

Who will receive Form 1095-A?

Nevada Health Link will mail Form 1095-A to the tax filer or other relevant adult (primary application contact) last known address provided to the Marketplace and upload Form 1095-A to consumers' online account.

All tax households who were enrolled in a Marketplace Qualified Health Plan (QHP), regardless of whether members of the tax household received financial assistance, will receive Form 1095-A. Each member of a tax household, who is on the same policy, will be listed together on one Form 1095-A.
Nevada Health Link will not provide Forms 1095-A to consumers who were enrolled in only a catastrophic coverage or a stand-alone dental plan because they do not qualify for the Premium Tax Credit.

Who is included on Form 1095-A?

Form 1095-A includes all members of a tax household who enrolled in a qualified health plan (QHP.  Members of the tax household will be included on the form regardless of whether they received financial assistance (i.e., APTC).  A separate Form 1095-A is generated for each policy in which the tax household enrolled.
Nevada Health Link will not provide Form 1095-A to consumers who were enrolled in only a catastrophic coverage or a stand-alone dental plan because they do not qualify for the Premium Tax Credit.

What if I have questions or need help understanding Form 1095-A?

For more information about how your coverage will affect your taxes, visit www.HealthCare.gov/taxes/ or call Nevada Health Link at 1-855-768-5465. Consumers can get free assistance with filling out their taxes. This may include free access to tax software programs, or free in-person assistance. For more information visit www.IRS.gov/freefile or www.IRS.gov/VITA.

If you have additional questions about your taxes, need Form 8962, or want to learn more about the fee for not having health coverage, visit www.IRS.gov/aca