Tax Information for 2020 Coverage
If you or anyone in your household enrolled in a Qualified Health Plan (QHP) through Access Health CT in 2020, you will be getting a form in the mail by the first week of February 2021 called Form 1095-A with information about your insurance coverage. You will receive a 1095-A form even if you did not receive financial help (tax credits). See below to download our Frequently Asked Questions and a sample of Form 1095-A.
Note: If you enrolled in a Catastrophic health plan in 2020, you will not receive Form 1095-A. Form 1095-A is only sent to individuals who bought qualified health plans through Access Health CT at the Bronze, Silver, and Gold levels.
Know the forms you will be receiving:
You will receive a Form 1095-A if you had qualified coverage through Access Health CT. If someone in your household had HUSKY/Medicaid coverage in 2020, they can request a form called a Form 1095-B from the Connecticut Department of Social Services. You should expect a Form 1095-C if you had coverage through your employer or through Medicare. If you have questions, please contact your employer or the Centers for Medicare and Medicaid Services (CMS).
NOTE: The IRS Form 1095-B is NO LONGER REQUIRED by federal law when preparing 2020 federal tax returns and it will not be mailed out this year automatically. However, DSS is required to make IRS Form 1095-B available upon request and consumers who need a copy of the form can request it in one of the following ways:
Important things to keep in mind about filing your taxes:
If you received tax credits (financial help) in 2020 and you do not file your tax return with IRS Form 8962 to reconcile your tax credits, you will not be able to receive tax credits in future years until you file your 2020 tax return. If your filing or income information has changed since you applied for healthcare coverage, you may have to pay back some or all of the tax credits (financial help) you received. 1095-A forms CANNOT be emailed or faxed. If you’ve misplaced your 1095- A form, please contact our contact center for assistance.
Frequently Asked Questions: Form 1095A
Why do I need this information?
You need it to complete IRS Form 8962 as part of your 2020 federal income tax return, which the IRS uses to determine whether you received the correct amount of tax credits (financial help). 8962 forms can be downloaded at irs.gov website. Please see a tax professional for help with completing Form 8962.
I received financial help in 2020. Should I file taxes?
YES. You must file a federal tax return for 2020 – even if you usually don’t file or your income is below the level requiring you to file.
Could you pay a penalty?
- For Tax Year 2020, the penalty or fee for not having health insurance coverage is $0.
- For Tax Years 2018 and earlier, individuals without coverage during those years may be subject to a penalty.
Why does my monthly payment (known as premium) amount on my Form 1095-A NOT match the premium amount on the bill I receive from my insurance company every month?
- The premium amount in Column A of your Form 1095-A may show an amount different than what you paid all year because amounts in Column A show only the portion of your premium that covers Essential Health Benefits.
- Plans sold through the Exchange are required to cover Essential Health Benefits.
- Insurance companies may offer benefits in addition to the Essential Health Benefits, so the premium paid may be different than the amount listed in Column A to cover these additional benefits.
Where is my form?
- Log in to your Access Health CT account
- Click the “My Inbox” Tab
- Click “View More”
- Select PDF File Icon
- Download / View your Form 1095-A!
Don’t have an online account? Click HERE to get started.
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