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FAQ's
1095-A Form FAQs
The 1095-A is a tax form you receive if you purchased health insurance through the Health Insurance Marketplace. It provides details about your coverage, premiums, and any advance premium tax credits you received.
You need this form to reconcile any advance premium tax credits on your federal income tax return or to claim a premium tax credit if you didn’t receive one during the year.
You should receive your 1095-A form by mid to late January following the end of the tax year. If you haven’t received it by February, check your online Marketplace account or contact the Marketplace directly.
Use the information on the 1095-A to fill out Form 8962 (Premium Tax Credit) when filing your federal tax return. This will determine if you received the correct amount of premium tax credits.
If you find incorrect information on your 1095-A form, contact the Marketplace immediately to request a corrected form.
If you didn’t purchase coverage through the Marketplace, you won’t receive a 1095-A form. Instead, you might get a 1095-B or 1095-C, depending on your coverage source.
No, you don’t need to send the form with your tax return. Keep it for your records, but the information must be used to complete your tax return.
Yes, you can usually download a copy from your Health Insurance Marketplace account.
If you lose your form, log into your Marketplace account to download another copy, or contact the Marketplace for assistance.
Age Groups We Serve FAQs
We provide health insurance solutions for individuals and families from birth up to their 65th birthday.
Yes! We can help you find comprehensive coverage options for newborns, children, and teenagers, ensuring their healthcare needs are met as they grow.
Absolutely. We specialize in health insurance for young adults, whether they’re students, starting a career, or transitioning off a parent’s plan.
We offer tailored plans for individuals and families in their 30s, 40s, and 50s, including options for managing chronic conditions, maternity care, and preventive services.
Yes, we assist those nearing 65 to ensure they have the right coverage until they transition to Medicare.
If you lose employer-sponsored coverage, we can help you find an affordable individual health plan to bridge the gap until you’re eligible for Medicare.
Yes, we can help you explore Marketplace plans, subsidies, and other income-based options to find coverage that fits your budget.
General Insurance FAQs
Health insurance helps cover medical costs for doctor visits, hospital stays, prescriptions, and preventive care. It protects you from high out-of-pocket expenses in case of unexpected health issues.
We offer a range of plans, including individual and family health insurance, Marketplace plans, and options for those with special needs or specific conditions.
Our licensed brokers will assess your healthcare needs, budget, and coverage preferences to recommend a plan that fits your situation.
Yes, we guide you through the application process, help you understand subsidies, and ensure you get the most out of your plan.
Open Enrollment is the annual period when you can enroll in or change your health insurance plan. For most plans, it runs from November 1 to January 15.
Yes, you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as marriage, birth of a child, or loss of coverage.
A deductible is the amount you pay out-of-pocket for medical services before your insurance starts to cover costs.
A premium tax credit is a subsidy that lowers your monthly premium. Eligibility depends on your household income and family size.
Special Circumstances FAQs
Yes, all Marketplace health plans are required to cover pre-existing conditions, and we can help you find the right one.
Yes, we can assist freelancers, contractors, and other self-employed individuals in finding affordable and comprehensive coverage.
If you’re no longer eligible for Medicaid or CHIP, we can help you transition to a Marketplace plan or other affordable options.
Yes, we can bundle dental and vision plans with your health insurance or find standalone plans to suit your needs.
Customer Service FAQs
Most quotes are provided within minutes after you share your information with us.
No, our services are completely free. We’re here to help you find the best plan without any additional charges.
You can reach us via phone, email, or by filling out our contact form. We’re happy to assist!
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