Form 1095-A is issued by the Health Insurance Marketplace when Marketplace coverage existed during the year. In most cases the form is made available automatically, but its absence or delayed availability reflects how Marketplace records are processed rather than a problem with tax filing.
How Form 1095-A is normally provided
The Marketplace generates Form 1095-A after the coverage year ends and makes it available to the primary enrollee. The form may be delivered electronically through a Marketplace account or sent by mail, depending on account settings and enrollment details.
Why the form may not be immediately available
Delays can occur when coverage changed during the year, when household or income information was updated late, or when Marketplace records are still being finalized. In these situations, the form may appear later or be reissued once the information is complete.
What it means if you did not receive Form 1095-A
Not receiving the form does not automatically indicate an error or penalty. It may mean that Marketplace coverage was not recorded for the year, that coverage existed only briefly, or that the form is available online rather than by mail.
How the system handles a missing form
The Marketplace also reports coverage information directly to the Internal Revenue Service. If coverage existed, the data remains part of the system even if the form has not yet been accessed by the recipient.
If the form is later issued or updated, it reflects a correction or completion of Marketplace records rather than a new obligation.
Related situations
If a form is later marked as corrected or replaced, see what a corrected or void Form 1095-A means. If the question is whether any action is required at all, see whether you need to do anything with Form 1095-A.
For the overall process context, return to Form 1095-A overview or consult the official description at IRS Form 1095-A document overview.