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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

File Your Own 1095-A?

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Question: Our 1095-A for 2015 is nearly completely wrong. I went to Medicare in may but my wife was and still is on the same Covered California Kaiser policy, Because of this I expected some problems, but the form only has her coverage for the first 4 months, nothing for my coverage in that period, and does not show her continued coverage for the last 8 months. I believe it is because it took a great deal of effort to get them to continue her coverage. They had me listed as primary and first dropped her coverage and then reinstated it, I assume with her as primary. I think this is the problem now, but it shows wildly wrong numbers and will cost me dearly if I cannot get it corrected. How do I do that when they have no way for me to communicate with them? They give no email addresses, the message board will not accept replies, and the chat people don’t have any idea what to do, other then assure me she has coverage. I don’t have any confidence that they will get me a corrected form so that I can file.

Answer: If you cannot get an accurate 1095-A before the tax deadline, you can file your own 1095-A. Here is what to do:

Download a blank 1905-A form at https://www.irs.gov/pub/irs-pdf/f1095a.pdf Now collect the following pieces of information for PART III - Household Information:

  • The months you, your spouse, and dependents had coverage.
  • Your total premiums paid for you, your spouse, and dependents.
  • The cost of the Second Lowest Cost Silver Plan in your Marketplace at https://www.coveredca.com/shopandcompare/2015/
  • The total amount of Advanced Premium Tax Credit that was paid on your behalf. (Your insurer will have this information too) NOTE: You can compare what you actually paid to the full price of the plan, the difference is your Advance Payment of Premium Tax Credit.
  • If you are married then you’ll also need “Policy Number (Form 1095-A, line 2)”. So it’s a smart move to get the policy number from the Covered California or your insurer. You only need to enter the LAST 15 digits of the policy number (that’s all that show on a 1095-A sent to you as well).

Now that you have all of that information, add the total amount in for each column.



Use this part of the link “http://www.coveredca.com/shopandcompare/” then select the coverage year I.e. 2015.

The web address for SLCSP, https://www.coveredca.com/shopandcompare/2015/ , keeps getting redirected. Is there another place to get this data/calculation?

Email me your contact information and I will forward your complaint to someone at Covered CA who might be able to help. I cannot post his email address in an open forum like this.

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