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Life happens. Let’s make sure your benefits work for you.
When life changes, it's time to take a second look at your health plan. We'll go over life events that could affect your plan and guide you through next steps.
Helping you keep up with your coverage
You’ll want to review your benefits if …
You’re turning 26
Your parents can generally cover you on their health plan until age 26.* After that, you can explore affordable plans here.*
You’ve had a big life change
Life events like a job loss, marriage or a new child may qualify you to change your plan outside the Open Enrollment window.
You’re turning 65
Starting to think about Medicare? Get helpful information to make a smart decision about your health coverage.
Check in on your health, too
Our Health Guide features wellness articles and tips to keep up with you.
Understanding tax credits and your next steps
When you signed up for your Marketplace plan, you may have qualified for a tax credit, or subsidy, to help you lower the cost of your monthly premium. If so, you chose how to receive the credit.
- Use the credit to lower your taxes when you file your federal income tax, or
- Use the credit in advance to lower the cost of your monthly premiums.
No matter how you received this credit, you’ll need to account for it on your federal tax return.
Frequently asked questions
I’m ready to file my federal tax return. What forms do I need, and where can I get them?
Here are the two forms you’ll need:*
Form 1095-A (Health Insurance Marketplace® Statement)
This statement shows how much your health plan costs and the tax credits you received. It’s mailed to you in February. Need a copy? Log in to your Healthcare.gov account.
Form 8962 (Premium Tax Credit)
The next step is to file Form 8962 with your tax return. To complete it, you’ll use the information from statement 1095-A. You can find Form 8962 and helpful information on the IRS website.
*FOR FEDERAL TAX RETURN FORM DETAILS: This is not legal or tax advice. Contact your legal counsel if you have questions.
What if my household or income changes?
Update your information right away! Keeping your application current can help make sure your premium tax credit is correct. For example, if your family grows, you could qualify for a higher tax credit. Or if your income goes up, you could qualify for a lower tax credit. (The sooner you report a raise in income, the less you may have to pay back on your taxes.)
Examples of changes to report include:
- You got a raise or lost a job
- You got married or had a baby
- You became eligible for Medicare or Medicaid
- You had a change in disability or citizenship status
How can I report changes to the Marketplace?
There are three ways to report income, household or other changes to the Marketplace.
Online
Log in to Healthcare.gov to update your Marketplace application.
By phone
Contact the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325).
In person
Find local help in your community.
Need more help?
Learn how to report changes to the Marketplace.
Questions? We’re here to help.
Get in touch with us
Our Member Services team is ready to assist you with all of your questions.
Notes
*FOR COVERAGE UNDER A PARENT'S PLAN: A dependent child may continue coverage if the child has a disability or is in school and on a leave of absence.
*FOR INDIVIDUAL PLAN SIGN UP DETAILS: If you’re about to turn 26, be sure to sign up for an individual plan before the first day of your birthday month to avoid a gap in health coverage.
Legal notices
Health plans are offered or underwritten or administered by Aetna Health of California Inc., Aetna Health Inc. (Florida), Aetna Health Inc. (Georgia), Aetna Life Insurance Company, Aetna Health of Utah Inc., Aetna Health Inc. (Pennsylvania), or Aetna Health Inc. (Texas) (Aetna). Aetna and MinuteClinic, LLC (which either operates or provides certain management support services to MinuteClinic-branded walk-in clinics) are part of the CVS Health® family of companies.
Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Information is accurate as of the production date; however, it is subject to change.
Health benefits and health insurance plans contain exclusions and limitations.