Información sobre impuestos

Crédito tributario por ingreso del trabajo (earned income tax credit, EITC)

Los afiliados de Ambetter pueden calificar para el crédito tributario por ingreso del trabajo, lo que significa que puede haber dinero adicional esperándote.  Averigüe si califica.

El crédito fiscal por primas anticipadas (advanced premium tax credit, APTC) le ayuda a ahorrar en sus primas de Ambetter.

Este es un recordatorio sobre los dos formularios importantes que necesitará cuando presente su declaración este año.

Recibirá una Declaración del Mercado de Seguros de Salud 1095-A. Debería ver este formulario por correo postal antes de mediados de febrero. También puede descargar su 1095-A a través de su cuenta de Healthcare.gov .

Use su formulario 1095-A para presentar el formulario 8962 con su declaración de impuestos.

Estos dos formularios determinarán el monto de su crédito fiscal. Si presenta una declaración impresa, puede obtener el formulario 8962 aquí .


¡Usar estos dos formularios para declarar sus impuestos correcta y puntualmente es muy importante!
Si no lo hace, puede perder su crédito fiscal, lo que resulta en primas más altas y una posible pérdida de la cobertura. No olvide que la fecha límite para presentar sus impuestos federales es el 18 de abril de 2023.

 

 

Preguntas frecuentes

The APTC can help make your healthcare premiums more affordable, with an average credit amount of $491 per month.

To be eligible:

  • Your household income for the year has to be between 100-400% of federal poverty line (FPL)
  • You can’t be eligible for a government program, e.g.,  Medicaid, Medicare, CHIP, or TRICARE
  • Your tax return filing status can’t be “Married Filing Separately.”

If you had a Health Insurance Marketplace plan in 2023, you should get Form 1095-A (Health Insurance Marketplace Statement) by mail no later than mid-February.

Your 1095-A may also be available in your HealthCare.gov account as soon as mid-January.

Your 1095-A includes information about Marketplace plans anyone in your household had in 2023, so you may receive multiple 1095-A forms if family members enrolled in different plans. You must have your 1095-A before you file, so don’t file your taxes until you have an accurate 1095-A.

If you enrolled through Healthcare.gov, log into your Healthcare.gov account.

Under "Your Existing Applications," select your 2023 application — not your 2024 application.

Select “Tax Forms” from the menu on the left.

Download all 1095-As shown on the screen.

Your 1095-A contains information about Marketplace plans any member of your household had in 2023, including:

  • Premiums you paid
  • Premium tax credits you used
  • A figure called “second lowest-cost Silver Plan (SLCSP)

You’ll use information from your 1095-A to fill out Form 8962 (Premium Tax Credit). This is how you'll find out if there's any difference between the premium tax credit you used and the amount you qualify for.

  • You changed Marketplace plans during the year
  • You updated your application with new information — like adding or removing a family member, or moving — that resulted in a new enrollment in your plan
  • Different household members had different plans
  • If there are more than 5 members on the same plan

Visit healthcare.gov for more information.  

You’ll get a 1095-A too. Part III, Column C should be blank or have the number “0.”

If you want to see if you qualify for a premium tax credit based on your final income, you can complete Form 8962 to find out. 

If you don't qualify for a premium tax credit, you don't have to include Form 8962 when you file your income taxes.

Your 1095-A should include information for only the months you had a Marketplace plan.

The "monthly enrollment premium" on Form 1095-A (Part III, Column A) may be different from the monthly premium you paid. This doesn’t always mean there are errors, because:

  • Your plan included benefits in addition to the essential health benefits required by the health care law, like adult dental or vision benefits. In this case, the monthly enrollment premium on your Form 1095-A may show only the amount of your premium that applied to essential health benefits.
  • You or a household member started or ended coverage mid-month. In this case, your Form 1095-A will show only the premium for the parts of the month coverage was provided.
  • You were enrolled in a stand-alone dental plan and a dependent under 18 was enrolled in it. In this case, the monthly enrollment premium on your Form 1095-A may be higher than you expect because it includes a portion of the dental plan premiums for pediatric benefits.

Ambetter enviará por correo postal el formulario fiscal 1095-B a todas las personas que tenían cobertura médica individual o grupal con nosotros en 2022. Esto incluye:

  • Planes individuales y familiares, fuera del Mercado de Seguros Médicos.
  • Planes catastróficos, dentro del Mercado de Seguros Médicos.

Si usted está inscrito en un plan individual dentro del mercado de seguros médicos (excepto planes catastróficos) o un plan Medicare,  no recibirá  un formulario 1095-B.

Ambetter también envía la información recopilada en el formulario 1095-B al IRS y a la Junta de Impuestos de Franquicias de su Estado. Se recomienda que guarde este formulario con sus registros fiscales y que se lo muestre a su asesor fiscal, si es que usa uno.

Preguntas frecuentes

Form 1095-B: Health Coverage is a tax form that is used to verify that you, and any covered dependents, have health insurance that qualifies as minimum essential coverage. This form shows the type of health coverage you have, any dependents covered by your insurance policy, and the dates of coverage for the tax year.

The Affordable Care Act's individual shared responsibility provision require that you have minimum essential coverage or qualify for an exemption. Form 1095-B shows when you had health coverage during the 2023 tax year.

Ambetter Health will begin mailing Form 1095-B to members at the end of January.

Save it with your other tax-related documents so that you have it on hand when you or a tax professional prepares and files your taxes. Keep it with your other tax information in the event the IRS or your State Franchise Tax Board require you to provide it as proof of your health care coverage.

No. You do not need to include Form 1095-B with your federal or state tax return. However, the IRS and your State Franchise Tax Board recommend that you save it with your tax records in the event you are required to provide it as proof of your health care coverage. If you use a tax preparer, you can show the form to him or her, along with your other tax information.

Ambetter Health submits the information on Form 1095-B to the IRS and your State Franchise Tax Board to document your health coverage in 2023. We are legally required to do this for all individuals to whom we provided minimum essential coverage.

irs.gov is a good resource. You may also talk with a tax advisor.

If you did not receive your Form 1095-B or would like to request a replacement copy, please contact us.

If the information on your Form 1095-B is incorrect, please contact us.

For any questions about the information on your Form 1095-B, please contact us.