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href="/coverage-outside-open-enrollment/special-enrollment-period#household">Just had a baby or adopted</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/young-adults">Are under 30</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/have-job-based-coverage">Have (or offered) job-based insurance</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/self-employed">Are self-employed</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/unemployed">Are unemployed</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/medicare">Qualify for Medicare</a></li></ul></li><li class="ds-c-vertical-nav__item"><button class="ds-c-vertical-nav__label ds-c-vertical-nav__label--parent" aria-controls="topic-section--5__subnav" aria-expanded="false">Taxes<svg aria-hidden="true" class="ds-c-icon ds-c-icon--arrow ds-c-icon--arrow-down" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg" direction="down"><path fill="currentColor" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></button><ul role="list" class="ds-c-vertical-nav__subnav ds-c-vertical-nav--collapsed" id="topic-section--5__subnav"><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/taxes">Health coverage & your taxes</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/tax-form-1095">Tax Form 1095-A</a></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/taxes-reconciling">'Reconcile' tax credit</a></li></ul></li><li class="ds-c-vertical-nav__item"><a class="ds-c-vertical-nav__label" aria-current="false" href="/topics">Browse all topics</a></li></ul></li><li class="ds-c-vertical-nav__item smartling-language-toggle"><a class="ds-c-vertical-nav__label" aria-current="false" href="/get-answers">Get Answers</a></li></ul></nav><ul role="list" class="hc-c-menu__links ds-c-list ds-c-list--bare"><li class="ds-u-margin--0 "><a href="https://www.cuidadodesalud.gov/es/taxes/" class="hc-c-menu__link sl-c-locale sl_swap">Español</a></li><li class="ds-u-margin--0 ds-u-border-top--1"><a href="/login" class="hc-c-menu__link sl-c-login sl_swap">Log in</a></li></ul></div></nav></div></div><div class="index-module--container--eb75e"><nav class="index-module--nav-ribbon--8a80d ds-l-container"><a class="index-module--nav-link--9fcad" href="/get-coverage/">Get Coverage</a><a class="index-module--nav-link--9fcad" href="/have-coverage/">Keep or Update Your Plan</a><div data-testid="mega-menu" class="megaMenu-module--mega-menu--841ac"><button aria-expanded="false" class="megaMenu-module--toggle--b017c ds-c-button">See Topics<svg aria-labelledby="svg-inline--fa-title-mega-menu-icon-title" data-prefix="fas" data-icon="caret-down" class="svg-inline--fa fa-caret-down megaMenu-module--toggle-caret--8b9b2" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512" prefix="fas" aria-hidden="true" focusable="false"><title id="svg-inline--fa-title-mega-menu-icon-title">Caret icon</title><path fill="currentColor" d="M137.4 374.6c12.5 12.5 32.8 12.5 45.3 0l128-128c9.2-9.2 11.9-22.9 6.9-34.9s-16.6-19.8-29.6-19.8L32 192c-12.9 0-24.6 7.8-29.6 19.8s-2.2 25.7 6.9 34.9l128 128z"></path></svg></button><div class="megaMenu-module--menu-container--af9e4 ds-l-container"><div class="megaMenu-module--menu-content--3e843"><div class="megaMenu-module--topic-group--dced5 ds-l-col"><div class="megaMenu-module--topic--24373"><h2 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class="megaMenu-module--topic-link--97a32" href="/unemployed/">Are unemployed</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/medicare/">Qualify for Medicare</a></li></ul></div><div class="megaMenu-module--topic--24373"><h2 class="ds-text-heading--md megaMenu-module--topic-group-heading--32ef0">Taxes</h2><ul class="ds-c-list--bare"><li><a aria-current="page" class="megaMenu-module--topic-link--97a32" href="/taxes/">Health coverage & your taxes</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/tax-form-1095/">Tax Form 1095-A</a></li><li><a class="megaMenu-module--topic-link--97a32" href="/taxes-reconciling/">'Reconcile' tax credit</a></li></ul></div><a class="megaMenu-module--browse-all-topics--db28c" href="/topics/">Browse all topics</a></div><div class="megaMenu-module--topic-group--dced5 ds-l-col"><label class="ds-text-heading--md megaMenu-module--featured-label--ed64e" id="mm-topic-featured">Featured</label><div aria-labelledby="mm-topic-featured"><img src="/assets/learn/static/featured/oe-starts-topics-image1-megamenu.jpg" alt="" class="megaMenu-module--featured-image--63c97" title="Person in yellow sweater and glasses checking health coverage options"/><p class="megaMenu-module--featured-heading--d1d6f">Apply & enroll in 2025 coverage today</p><a class="megaMenu-module--topic-link--97a32" href="/apply-and-enroll/how-to-apply/">Beat the December 15 deadline to enroll in health coverage that starts January 1. Apply now.</a></div></div></div></div></div><a class="index-module--nav-link--9fcad" href="/get-answers/">Get Answers</a><form role="search" method="get" action="/search/" class="index-module--search-form--93f38"><input id="input-main-nav-search-desktop" aria-labelledby="input-main-nav-search-desktop-btn" title="Enter text to search" name="q" class="index-module--search-form-input--77e9d ds-c-field" aria-label="Site Search"/><button id="input-main-nav-search-desktop-btn" type="submit" class="ds-c-button ds-c-button--solid index-module--search-form-submit--5f34f">Search</button></form></nav></div></header></div><main id="main" tabindex="-1" class="SiteLayout-module--main--120ae ds-content ds-l-container"><div class="DynamicLayout-module--container--20d78 ds-l-row learn-dynamic-layout-container"><div class="DynamicLayout-module--content--f7077 ds-l-md-col--8 learn-dynamic-content"><h1 class="index-module--heading--e0a1a ds-text-heading--3xl"> 2023 health coverage & your federal taxes</h1><div class="learnParagraph-module--paragraph--4a23b "><strong>If you had Marketplace coverage at any point during 2023, you must file your taxes and </strong><div class="ds-c-tooltip__container"><button type="button" aria-describedby="glossary-tooltip--54208e510" class="ds-c-tooltip__trigger glossaryTooltip-module--glossary-tooltip--31ba2 ds-c-tooltip__trigger-link"><strong>"reconcile"</strong></button><div id="glossary-tooltip--54208e510" class="ds-c-tooltip" style="max-width:300px;z-index:1000001" data-placement="top" aria-hidden="true" role="tooltip"><span class="ds-c-tooltip__arrow" data-popper-arrow="true"></span><div class="ds-c-tooltip__content"><p class="glossaryTooltip-module--tooltip-title--0068b ds-text-body--sm">How you find out if you used the right amount of premium tax credit during the year. To reconcile, you compare two amounts: the premium tax credit you used in advance during the year; and the amount of tax credit you qualify for based on your final income. You’ll use IRS Form 8962 to do this. If you used more premium tax credit than you qualify for, you’ll pay the difference with your federal taxes. If you used less, you’ll get the difference as a credit.</p><p class="ds-u-margin-bottom--0 ds-text-body--sm">Refer to glossary for more details.</p></div><span class="ds-c-tooltip__interactive-border" style="left:-15px;top:-15px;border:15px solid transparent;z-index:-999"></span></div></div><strong> your premium tax credit.</strong></div><div class="learnParagraph-module--paragraph--4a23b ">Use <a href="/tax-form-1095/">Form 1095-A</a> to complete IRS tax Form 8962 and <a href="/taxes-reconciling/">reconcile your 2023 premium tax credit</a> when you file your 2023 taxes if you qualified for or used the premium tax credit. Once you do, you may:</div><ul><li>Owe taxes if you used more of the <div class="ds-c-tooltip__container"><button type="button" aria-describedby="glossary-tooltip--e329b37b0" class="ds-c-tooltip__trigger glossaryTooltip-module--glossary-tooltip--31ba2 ds-c-tooltip__trigger-link">premium tax credit</button><div id="glossary-tooltip--e329b37b0" class="ds-c-tooltip" style="max-width:300px;z-index:1000001" data-placement="top" aria-hidden="true" role="tooltip"><span class="ds-c-tooltip__arrow" data-popper-arrow="true"></span><div class="ds-c-tooltip__content"><p class="glossaryTooltip-module--tooltip-title--0068b ds-text-body--sm">A tax credit you can use to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace®. Your tax credit is based on the income estimate and household information you put on your Marketplace application.</p><p class="ds-u-margin-bottom--0 ds-text-body--sm">Refer to glossary for more details.</p></div><span class="ds-c-tooltip__interactive-border" style="left:-15px;top:-15px;border:15px solid transparent;z-index:-999"></span></div></div> than you qualified for in 2023. You'll have to report the excess amount on your 2023 tax return by filing <a rel="external" target="_blank" href="https://www.irs.gov/pub/irs-pdf/f8962.pdf">Form 8962, Premium Tax Credit</a> (PDF, 110 KB). <a rel="external" target="_blank" href="https://www.irs.gov/pub/irs-pdf/i8962.pdf">Find instructions for Form 8962.</a></li><li>Get a refund or lower the amount of taxes you owe if you used less of the premium tax credit you qualified for or got an increase in the premium tax credit when you reconciled. You still need to include Form 8962 with your tax return.</li><li>Have to resubmit your 2023 tax return if you filed electronically but it was rejected for a missing Form 8962. You'll need to complete Form 8962 or an explanation for why you're missing the form, and attach it when you refile. <a rel="external" target="_blank" href="https://www.irs.gov/newsroom/how-to-correct-an-electronically-filed-return-rejected-for-a-missing-form-8962">Learn how to fix it and correctly file electronically.</a></li></ul><div class="learnParagraph-module--paragraph--4a23b "><a href="/tax-tool">Use our tax tool to figure out your premium tax credit.</a></div><div class="learnParagraph-module--paragraph--4a23b "><a rel="external" target="_blank" href="https://www.irs.gov/affordable-care-act/individuals-and-families/the-premium-tax-credit-the-basics">Get more details from the IRS about filing taxes when you get the premium tax credit.</a></div><div class="ds-c-alert ds-c-alert--hide-icon" role="region" aria-labelledby="box-content--85229e320__a11y-label" id="box-content--85229e320"><div class="ds-c-alert__body"><span class="ds-c-alert__a11y-label ds-u-visibility--screen-reader" id="box-content--85229e320__a11y-label">Notice: </span><div class="learnParagraph-module--paragraph--4a23b "><strong>Get your 1095-A form</strong><br/>Your 1095-A should come by mail by mid-February. It may be in your Marketplace account anytime from mid-January to February 1. <a href="/login">Log into your account</a>, select your 2023 application, and then select “Tax Forms” to get your form. <a href="/tax-form-1095/">Learn what to do with your 1095-A</a><a href="/tax-form-1095/">.</a></div></div></div><div class="learnParagraph-module--paragraph--4a23b "><strong>If your tax return was rejected for not having Form 8962 and you didn't have Marketplace coverage in 2023, </strong><a href="/contact-us/">contact the Marketplace Call Center.</a> We'll help you get a voided Form 1095-A to include with your tax return.</div><h2>Next steps & tax forms</h2><div class="learnParagraph-module--paragraph--4a23b ">Select the type of health coverage you had in 2023 to get details about filing your taxes. More than one type of coverage may apply for you or your household.</div><ul><li><a href="/taxes/marketplace-plan-with-savings/">Marketplace plan <strong>with </strong>the premium tax credit</a> - You enrolled in a health plan through the Marketplace and used premium tax credits to lower your monthly payments. </li><li><a href="/taxes/marketplace-plan-without-savings/">Marketplace plan <strong>without </strong>the premium tax credit</a> - You enrolled in a Marketplace plan but paid full price – because you either didn’t qualify for a premium tax credit or didn’t apply for one. </li><li><a href="/taxes/job-based-insurance/">Job-based health coverage</a> - You had health coverage through a job, a retiree health plan, COBRA, or the Small Business Health Options Program (SHOP). </li><li><a href="/taxes/other-health-coverage/">Other health coverage</a> - You bought a plan outside the Marketplace or were covered by Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source. </li><li><a href="/taxes/no-health-coverage/">No health coverage</a> - You had no health coverage for all or most of 2023.</li><li><a rel="external" target="_blank" href="https://www.irs.gov/filing/individuals/how-to-file">Find help preparing and filing your taxes.</a></li><li><a href="/how-can-i-protect-myself-from-tax-scams/">Protect yourself from tax scams.</a></li></ul><div><h2>Other Tax Years</h2><ul><li><a href="/taxes-2022/how-coverage-affects-taxes/">2022 taxes</a></li><li><a href="/taxes-2021/how-coverage-affects-taxes/">2021 taxes</a></li><li><a href="/taxes-2020/how-coverage-affects-taxes/">2020 taxes</a></li><li><a href="/taxes-2019/how-coverage-affects-taxes/">2019 taxes</a></li><li><a href="/taxes-2018/how-coverage-affects-taxes/">2018 taxes</a></li><li><a href="/taxes-2017/how-coverage-affects-taxes/">2017 taxes</a></li><li><a href="/taxes-2016/how-coverage-affects-taxes/">2016 taxes</a></li></ul></div> </div><aside 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This helps us identify ads that are helpful to consumers and efficient for outreach. Select “Don’t allow” to block this tracking.</td><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-status" data-title="Status"><fieldset aria-invalid="false" class="ds-c-fieldset ds-u-margin-top--0" role="radiogroup"><legend class="ds-c-label" id="choice-list--16097__label"><span class="ds-u-visibility--screen-reader">Advertising</span></legend><div><div class="ds-c-choice-wrapper"><input id="choice-list--16097__choice--0" name="cookie-c3" type="radio" class="ds-c-choice" checked="" value="0"/><label class="ds-c-label" for="choice-list--16097__choice--0" id="choice-list--16097__choice--0__label">Allow</label></div></div><div><div class="ds-c-choice-wrapper"><input id="choice-list--16097__choice--1" name="cookie-c3" type="radio" class="ds-c-choice" value="1"/><label class="ds-c-label" for="choice-list--16097__choice--1" id="choice-list--16097__choice--1__label">Don't allow</label></div></div><p class="ds-c-inline-error" id="choice-list--16097__error" aria-live="assertive" aria-atomic="true"></p></fieldset></td></tr><tr role="row"><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-category" data-title="Category">Social Media</td><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-description" data-title="Description">If you share our content on Facebook, Twitter, or other social media accounts, we may track what HealthCare.gov content you share. This helps us improve our social media outreach. Select “Don’t allow” to block this tracking.</td><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-status" data-title="Status"><fieldset aria-invalid="false" class="ds-c-fieldset ds-u-margin-top--0" role="radiogroup"><legend class="ds-c-label" id="choice-list--16098__label"><span class="ds-u-visibility--screen-reader">Social Media</span></legend><div><div class="ds-c-choice-wrapper"><input id="choice-list--16098__choice--0" name="cookie-c4" type="radio" class="ds-c-choice" checked="" value="0"/><label class="ds-c-label" for="choice-list--16098__choice--0" id="choice-list--16098__choice--0__label">Allow</label></div></div><div><div class="ds-c-choice-wrapper"><input id="choice-list--16098__choice--1" name="cookie-c4" type="radio" class="ds-c-choice" value="1"/><label class="ds-c-label" for="choice-list--16098__choice--1" id="choice-list--16098__choice--1__label">Don't allow</label></div></div><p class="ds-c-inline-error" id="choice-list--16098__error" aria-live="assertive" aria-atomic="true"></p></fieldset></td></tr><tr role="row"><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-category" data-title="Category">Web Analytics</td><td class="ds-u-text-align--left" role="cell" headers="privacy-settings-header-description" data-title="Description">We use a variety of tools to count, track, and analyze visits to HealthCare.gov. 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