How to Request a Replacement 1095 Form

In an era where tax compliance and healthcare coverage are hot-button issues, losing or misplacing your 1095 Form can feel like a major setback. Whether you’re dealing with the aftermath of a move, a natural disaster, or simply a cluttered inbox, knowing how to request a replacement 1095 Form is essential. This guide will walk you through the process while addressing modern challenges like cybersecurity, remote work, and the evolving healthcare landscape.

Why the 1095 Form Matters More Than Ever

The 1095 Form is a critical document for taxpayers in the U.S. It verifies your health insurance coverage under the Affordable Care Act (ACA) and is used to reconcile premiums, tax credits, and exemptions on your federal tax return. With healthcare costs rising and policy changes looming, ensuring you have this form is non-negotiable.

The Impact of Recent Global Events

From the pandemic to climate-related disasters, unexpected events have made document retention harder. Many people now work remotely, relying on digital records—but what happens when those records disappear? Cyberattacks on healthcare providers and insurers have also increased, making it crucial to safeguard your personal data while requesting replacements.

Step 1: Identify Which 1095 Form You Need

There are three types of 1095 Forms:

• 1095-A: Issued by the Health Insurance Marketplace if you enrolled in a plan through Healthcare.gov or a state exchange.
• 1095-B: Sent by your insurance provider if you had coverage through an employer, union, or other non-Marketplace source.
• 1095-C: Provided by large employers (50+ full-time employees) to report offered coverage.

How to Confirm Your Form Type

Check past tax records or contact your insurer/employer. If you’re unsure, the IRS website has a tool to help determine which form applies to you.

Step 2: Contact the Issuer Directly

For 1095-A (Marketplace Plans)

1. Log in to your Healthcare.gov account (or your state’s exchange portal).
2. Navigate to "Tax Forms" and look for a reissue option.
3. If online access fails, call the Marketplace help line at 1-800-318-2596.

Pro Tip: Enable two-factor authentication (2FA) on your account to prevent unauthorized access.

For 1095-B or 1095-C (Employer or Insurer-Issued)

1. Email or call your HR department or insurance provider.
2. Request a replacement and confirm the timeline (some take 7–10 business days).
3. If they no longer have your records, ask for a Letter of Coverage as proof.

Step 3: Use IRS Resources as a Backup

If the issuer can’t help, the IRS may have your data. Here’s how to proceed:

1. File Form 4506-T to request a transcript of your 1095 information.
2. Visit IRS.gov/transcript or call 1-800-908-9946.
3. Note: Transcripts don’t replicate the form exactly but provide enough data for filing.

Cybersecurity Warning

Never share your SSN or tax details via unsecured channels. Use encrypted email or the IRS’s secure portal.

Step 4: Protect Yourself from Scams

With tax-related phishing scams up 300% since 2020, vigilance is key. Red flags include:

• Unsolicited emails claiming to be from the IRS (they never initiate contact via email).
• Calls demanding immediate payment or personal information.
• Fake websites mimicking Healthcare.gov or insurer portals.

Always verify URLs and use official contact methods.

Step 5: Prepare for Future Tax Seasons

Digital Storage Solutions

• Save a password-protected PDF of your 1095 Form in a secure cloud service (e.g., Google Drive, Dropbox).
• Print a physical copy and store it with other tax documents in a fireproof safe.

Legislative Changes to Watch

The ACA’s future remains a political flashpoint. Stay informed about potential reforms affecting 1095 requirements—subscribe to IRS newsletters or consult a tax professional.

Final Thoughts

Whether you’re a gig worker navigating self-employed coverage or a family managing employer-based insurance, the 1095 Form is a linchpin of your financial health. By following these steps—and staying alert to digital risks—you can secure your replacement swiftly and safely.

Need more help? The IRS’s Interactive Tax Assistant tool offers personalized guidance.