Use the information on this page to help consumers understand health insurance tax information and responsibilities.
2023 IRS Tax Form 1095-As are now available in consumers’ online accounts. In addition to the notifications section in their METS account, the 1095-A is available in the “My Inbox” section of a consumer’s enrollment dashboard.
MNsure has mailed a Form 1095-A to primary enrollees who enrolled in a plan at any time during 2023. The form was mailed to the mailing address that is associated with the primary enrollee's MNsure account. If they moved and did not inform MNsure of an address change, they will not receive the form in the mail unless they have a mail forwarding order in place.
Consumers will need information from IRS Tax Form 1095-A to reconcile any advanced premium tax credit payments applied to their health insurance premium during the tax year or to claim premium tax credit on their taxes, if eligible. Enrollees are required to report on their federal tax return if advanced premium tax credits (APTC) was applied and paid on their behalf for their qualified health plan (QHP).
MNsure does not provide instructions on the cover letter that is sent with Form 1095-A. The system will print information on an IRS Form 1095-A, which includes an "Instructions for Recipients" section provided by the IRS that explains to the consumer what all the fields mean on the form.
Additionally, the MNsure Communications team sends an email to all MNsure enrollees who qualify to receive a Form 1095-A and who have provided an email address on their MNsure account. The email generally explains:
An assister should NOT view or print a consumer’s Form 1095-A through their assister portal account or on a consumer’s behalf. Additionally, assisters should not provide/email/mail copies of the forms to consumers. If a consumer needs a copy of their Form 1095-A, the consumer will need to log in to their online account to access and print their form or contact MNsure to have a copy mailed to them.
Assisters can also call the ARC/Broker Service Line on behalf of the consumer to have a copy of the form mailed to the consumer or report a change on behalf of the consumer. Navigators must have the consumer present when they call. Brokers must be the agent of record or have the consumer present when they call.
For additional information and resources, visit the IRS Form 1095-A section on MNsure.org.
When applying for assisted qualified health plans (an application WITH financial help), the tax filer of the household must give permission to access their tax returns filed with the Internal Revenue Service (IRS). This is called a Federal Tax Information (FTI) Authorization. This information is necessary for the application to accurately calculate the financial assistance a consumer may qualify for, including premium tax credits, cost-sharing reductions, MinnesotaCare or Medical Assistance.
The signature page of the consumer's application also asks the applicant to give permission for future years to redetermine eligibility (up to five years, which is the default option). More information can be found on the Summary and Signature page on MNsure.org.
When a consumer's federal tax information authorization expires (typically every five years from the initial application), MNsure will mail a Federal Tax Information (FTI) notice to the tax filer indicated on the application. If the tax filer does not provide an updated FTI authorization prior to MNsure's renewal process period in September, they may lose eligibility.
An assister cannot attest to federal tax information on behalf of a tax filer. However, if an assister has an assister portal association with a consumer who will be receiving this notice, the assister will receive a secure email alerting them so they can follow-up with the consumer and/or answer questions the consumer may have.
Consumers have the options to use a QR code printed on the notice to provide their authorization via their smartphone. Authorization can also be provided online or by completing and mailing the included paper form.
Enrollees are required to report on their federal tax return if advanced premium tax credits (APTC) was applied and paid on their behalf for their qualified health plan (QHP).
Consumers will need information from IRS Tax Form 1095-A to reconcile any advanced premium tax credit payments applied to their health insurance premium during the tax year. MNsure provides this form to consumers by mail and consumers can find a copy available through their online account. There will be an announcement on Assister Central when MNsure starts sending Form 1095-A to consumers, usually at the end of January.
Directions for consumers to find their Form 1095-A are located on the MNsure.org in the Where to Find Form 1095-A page. An assister cannot view or print a consumer's Form 1095-A through their assister portal account. If a consumer cannot access a duplicate form from their account, they can use the Get Online Help option on MNsure.org (select private health or dental insurance plan) to request to duplicate 1095-A form or to check the status of a missing/corrected 1095-A form. An assister should not print a Form 1095-A on behalf of a consumer.
Visit the Frequently Asked Questions about Form 1095-A on MNsure.org to help consumers with general questions they may have.
Consumers enrolled through MNsure in a QHP without financial assistance will also receive IRS Tax Form 1095-A. These consumers may still be eligible to claim a premium tax credit when filing their taxes, even if they applied and enrolled without financial help. More information is located on the Claim or Report Tax Credit page on MNsure.org or on the Frequently Asked Questions about Form 1095-A.
Consumers that enrolled in a catastrophic plan or stand-alone dental plan will not receive Form 1095-A.
Information for MinnesotaCare and Medical Assistance tax forms can be found on the Minnesota Department of Human Services (DHS) website.
