2023 health coverage & your federal taxes
If you had Marketplace coverage at any point during 2023, you must file your taxes and
your premium tax credit.
Use Form 1095-A to complete IRS tax Form 8962 and reconcile your 2023 premium tax credit when you file your 2023 taxes if you qualified for or used the premium tax credit. Once you do, you may:
- Owe taxes if you used more of the than you qualified for in 2023. You'll have to report the excess amount on your 2023 tax return by filing Form 8962, Premium Tax Credit (PDF, 110 KB). Find instructions for Form 8962.
- 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.
- 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. Learn how to fix it and correctly file electronically.
If your tax return was rejected for not having Form 8962 and you didn't have Marketplace coverage in 2023, contact the Marketplace Call Center. We'll help you get a voided Form 1095-A to include with your tax return.
Next steps & tax forms
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.
- Marketplace plan with the premium tax credit - You enrolled in a health plan through the Marketplace and used premium tax credits to lower your monthly payments.
- Marketplace plan without the premium tax credit - 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.
- Job-based health coverage - You had health coverage through a job, a retiree health plan, COBRA, or the Small Business Health Options Program (SHOP).
- Other health coverage - You bought a plan outside the Marketplace or were covered by Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source.
- No health coverage - You had no health coverage for all or most of 2023.
- Find help preparing and filing your taxes.
- Protect yourself from tax scams.