Short answer: If you had Marketplace coverage, use Form 1095-A to fill out IRS Form 8962 and reconcile your premium tax credit when you file your federal taxes. The form reports your plan and any advance premium tax credit paid to your insurer, and you must include Form 8962 with your return even if you did not take the credit in advance.
Form 1095-A comes from the Marketplace, by mail and in your online account, usually by mid-February. It shows the months you were enrolled, your plan’s premium, and the amount of any advance premium tax credit (APTC) paid on your behalf during the year.
You use Form 1095-A to complete IRS tax Form 8962 and reconcile your 2025 premium tax credit when you file. If you e-file without Form 8962 when it is required, the IRS may reject your return until you add it. Check that the form is accurate before filing, and contact the Marketplace for a corrected version if anything looks wrong.