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ACA Basics – The Health Insurance Marketplace

ACA Basics – The Health Insurance Marketplace

IRS Releases Marketplace Contact Information

The Health Insurance Marketplace – also known as the Health Insurance Exchange – is the place where people without health care insurance can find information about health insurance options and also purchase health care insurance. Information can also be found regarding eligibility for help with paying premiums and reducing out-of-pocket costs.

In addition to the federally-facilitated Marketplace, HealthCare.gov, there are also state-based Marketplaces. Whether you use the federally-facilitated Marketplace or a state-based Marketplace depends on the state in which you live.  If you visit HealthCare.gov, you will be asked to provide your ZIP code. If you live in area served by a state-based Marketplace, you’ll then be redirected to your state-based Marketplace’s website. 

Health care insurance purchased during 2014

If you purchased health care insurance through the Marketplace for 2014, you should receive a Form 1095-A by the end of January, 2015. The information shown on Form 1095-A will help you complete your 2014 federal individual income tax return. Among other things, it reports the total monthly health insurance premiums paid to the insurance company you selected through the Marketplace.  It will also list the amount of premium assistance you received in the form of advance payments of the premium tax credit that were paid directly to your insurance company.

If you chose to have advance payments of the premium tax credit paid directly to your insurance company in 2014, you must file a 2014 federal income tax return. You are required to reconcile – or compare - these payments to the premium tax credit you’ll compute for your 2014 tax return. Even if you did not choose to receive advance payments, you must file a 2014 federal income tax return to claim the premium tax credit.

If you have a question about the information shown on your Form 1095-A for 2014, or about receiving Form 1095-A for 2014, contact your Marketplace as shown in the table below.  The IRS will not be able to answers questions about the information on your Form 1095-A or about missing or lost forms.

Marketplace Contact Information for 2014 Health Coverage

State Marketplace Name

and  Web Site

Telephone number TTY Number
All States not listed below HealthCare.gov 1-800-318-2596 TTY: 1-855-889-4325
California Covered California 1-800-300-1506 TTY: 1-888-889-4500
Colorado Connect for Health Colorado 1-855-752-6749 TTY: 1-855-346-3432
Connecticut Access Health CT 1-855-805-4325 TTY: 1-855-789-2428
District of Columbia DC Health Link 1-855-532-5465 TTY: 711-1-532-5465
Hawaii Hawai’i Health Connector 1-877-628-5076 TTY: 1-855-585-8604
Kentucky KYnect 1-855-459-6328 TTY: 1-855-326-4654
Maryland Maryland Health Connection 1-855-642-8572 TTY: 1-855-642-8573
Massachusetts Massachusetts Health Connector 1-877-623-6765 TTY: 1-877-623-7773
Minnesota MNsure 1-855-366-7873 TTY: 1-800-627-3529
Nevada Nevada Health Link 1-855-768-5465 TTY: 1-855-853-8100
New York NY State of Health 1-855-355-5777 TTY: 1-800-662-1220
Oregon Cover Oregon 1-855-268-3767 TTY: 1-800-735-2900
Rhode Island Health Source RI 1-855-840-4774 TTY: 1-888-657-3173
Vermont Vermont Health Connect 1-855-899-9600 TTY: 1-888-834-7898
Washington Washington Health Benefit Exchange 1-855-923-4633 TTY: 1-855-627-9604


Health care insurance for 2015

Each year the Health Insurance Marketplace has an open enrollment period.  The open enrollment period to purchase health care insurance for 2015 runs from Nov. 15, 2014, through Feb. 15, 2015. Contact the Marketplace at HealthCare.gov to enroll.

If you enroll in insurance coverage for 2015 through the Marketplace, you should report changes in your circumstances– like changes to your household income or family size – to the Marketplace when they happen. Changes in circumstances may affect your advance payments of the premium tax credit. When you report a change in circumstances, you may become eligible for a special enrollment period, which allows you to purchase health care insurance through the Marketplace outside of the open enrollment period. Visit the Marketplace at HealthCare.gov for more information about reporting changes in circumstances and special enrollment.

Find out more about the Premium Tax Credit and other tax provisions of the Affordable Care Act at IRS.gov/ACA.


Source:  Internal Revenue Service at http://www.irs.gov/uac/Newsroom/The-Health-Insurance-Marketplace

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