Not receiving Form 1095-A means that Health Insurance Marketplace coverage may not have been recorded for the year or that the form is not applicable to your situation. This outcome is normal in many cases and does not by itself indicate an error or a tax problem.
When Form 1095-A is not issued
The Marketplace issues Form 1095-A only when coverage existed through a Marketplace plan. If coverage was obtained entirely outside the Marketplace or if no Marketplace coverage occurred during the year, the form is not generated.
Situations where no form is expected
No Form 1095-A is expected when health insurance was provided by an employer, by a government program, or by an insurer outside the Marketplace. In these cases, coverage is reported using different information returns or systems.
What the absence of the form means for taxes
If there was no Marketplace coverage, there is no Marketplace coverage data to reconcile for premium tax credit purposes. The tax system proceeds without using Form 1095-A information.
How the system handles this outcome
The absence of Form 1095-A reflects how coverage sources are categorized within the reporting system. It does not block tax filing and does not require additional documentation to be created.
Related questions
If coverage existed but the form has not been accessed, see how to get Form 1095-A or what it means if it was not received. If the question is which form applies instead, see which Form 1095 you received and why.
For the overall process explanation, return to Form 1095-A overview or consult the official document description at IRS Form 1095-A document overview.