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Health Coverage & Your Taxes

How Health Coverage Affects Your Federal Tax Return

Maryland Health Connection call center representatives can help with general questions about health insurance and taxes, and Forms 1095-A and 1095-B.

For specific tax-filing questions, please consult your tax return preparer or tax advisor. Many people also can get free help preparing their taxes.

If you or a family member were enrolled in health coverage through Maryland Health Connection last year, this may affect your federal income taxes.

If you had a qualified health plan through Maryland Health Connection in 2018, you will receive Form 1095-A to use when filing your taxes. If you qualified for premium tax credits, the amount may affect your refund or taxes owed.

If you had Medicaid or other health coverage in 2018, you will receive Form 1095-B in the mail to use when filing your taxes.

If you didn’t have health insurance for 3 months or more in 2018, you may pay a fee when you file your taxes, if you don’t qualify for an exemption from the requirement to have health coverage.

You can claim some exemptions when you complete your federal tax return by filling out Form 8965 (PDF), Health Coverage Exemptions. For other exemptions, submit an application to the federal Department of Health and Human Services (HHS).

If you had health coverage from another source, like a job, a Qualified Health Plan through Maryland Health Connection, a plan through Maryland’s Small Business Health Options Program (SHOP), or some other entity, you may receive more than one reporting form about your insurance coverage, such as IRS Form 1095-A or 1095-C.

Helpful tools and resources

Affordable Care Act: What You and Your Family Need to Know (Publication 5187) (PDF). This document contains detailed information about premium tax credits, exemptions, and links to Forms 8962 (PDF) and 8965 (PDF).

Contact the Internal Revenue Service at www.irs.gov/aca for more information.
You can contact an IRS local office in Maryland or call 1-800-829-1040.
Many people also can get free help preparing their taxes.