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Your Covered California Tax Forms

Most people who had a Covered California health plan last year will be sent tax forms to help file their taxes. This page explains what you'll get, where to find your forms and what to do if something looks wrong.

Form 1095-A

Covered California will send you IRS Form 1095-A by Jan. 31. You'll need it when you file your federal and state taxes. It shows the months you had insurance and the federal financial help you received during the year. California requires most people to have health insurance. If you had a gap last year, you may owe a penalty on your state taxes, unless you qualify for an exemption.

How Financial Help Affects Your Taxes

Your 1095-A shows the financial help, called the advance premium tax credit (APTC), you received during the year. At tax time, the IRS checks it against your actual income:

  • If your income was lower than you estimated, you may get a credit or refund.
  • If your income was higher, you may have to repay some of the help.

This is separate from your overall refund. For how financial help and repayment work, see What is Financial Help?.

Tax questions? The IRS and Franchise Tax Board can help.

Covered California does not provide tax advice or help, but we can connect you with the experts.

Contact IRSContact FTB

Find Your Form

You will receive your 1095-A and 3895 forms the same way you get other documents and letters from Covered California:

  • By mail: We mail your forms to the address on file.
  • Online: Your forms go to your online mailbox, and we email or text you when they're ready.

You may get more than one.
You can change how you receive communication from us in your account.

Didn’t receive your form?

You will not receive an IRS Form 1095-A if you had:

  • Medi-Cal
  • A minimum coverage plan, also known as a catastrophic plan
  • Employer health insurance through Covered California for Small Business (CCSB)

If these don't apply to you, first check your Covered California online mailbox.

Download your tax form.

Sign in to your account to get your available tax forms.

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What to Do If Your Form Looks Wrong

A form that looks wrong is sometimes correct. Check these common reasons first:

  • $0 help for some months: This can happen if you missed a premium payment and your insurance ended for those months. Any help from earlier months still shows on your form.
  • No help all year: This can happen if you paid full price for your plan. If that's your situation, your form is correct.

How to Report an Error

If you still think there is a mistake, follow these steps:

  1. Submit the online dispute form. You'll need your case number, health plan name and primary member information.
  2. Watch for confirmation. We will let you know we got your request.

We will review your request. If we find a mistake, we will send you corrected tax forms to use when you file your taxes.

Didn't get a confirmation? Call us at (800) 300-1506.

Other Account and Tax Help

Use these pages if you need help with your account, financial help or tax penalty information.