Form 1095-A Basics
🟦What part of the 1095-A lists details about each person covered under the plan?
Part II – Covered Individuals.
🟦 What federal form must be filed to reconcile APTCs each year?
IRS Form 8962.
🟦What form would Medicaid (HUSKY) members receive instead of a 1095-A?
What is 1095-B?
🟦 If Bob only uses half of his $300 APTC monthly, what might happen at tax time?
He could receive the unused amount as a refund.
🟦 Which column on 1095-A shows actual monthly advance payments made to carriers?
What is Column C?
🟩 Which column shows the Second Lowest Cost Silver Plan (SLCSP)?
Column B.
🟩 What happens if a household doesn’t reconcile their APTCs?
They cannot receive APTCs again until they do.
🟩 What form would an employer issue for job-based insurance?
What is 1095-C?
🟩 Cindy ends QHP coverage in April and switches to employer coverage. Which two forms might she get?
1095-A and 1095-C.
🟩 Even if income is below the filing threshold, must a consumer reconcile APTCs?
Yes.
🟨 Why might Column A show a slightly lower amount than the insurer’s bill?
It only includes Essential Health Benefits.
🟨 How long do consumers have to submit documents if asked to prove reconciliation?
90 days.
🟨 If a new immigrant never filed taxes, what could they submit to prove no prior APTCs?
Immigration documents + a signed letter with arrival details.
🟨 Why might a 1095-A be withheld before mailing to the consumer?
Data discrepancies between AHCT and the carrier.
🟨 A consumer received a 1095-A Form showing APTCs, but when completing taxes, they try to enter numbers different from what’s listed. What will the IRS do?
The IRS will compare the 1095-A with Form 8962 and reject discrepancies — the consumer must use the exact numbers from the 1095-A.
🟧 If Betty switched from Bronze to Silver mid-year, how many 1095-A Forms would she get?
Two (one per plan).
🟧 What alternative single document satisfies all three “Proof of Filing” requirements?
What is a Tax Return Transcript?
🟧 What happens if documents for reconciliation are mailed separately to Conduent?
They fail each until all are received together.
🟧 Failing to reconcile won’t block auto-renewal, but what may a consumer lose?
Eligibility for APTCs.
🟧 If a consumer reports income or family changes mid-year, which column on 1095-A might show variations?
Column C (APTC amounts).
🟥 What AHCT team corrects premiums, SLCSP, and APTC errors?
The AHCT 1095 Team.
🟥 What system does AHCT use to auto-verify reconciliation data with the IRS?
Federal Data Services Hub (FDSH).
🟥 What case comment shows that AHCT closed an FTR VCL automatically?
A system note verifying reconciliation via FDSH.
🟥 A household has two members. One member’s Failure to Reconcile (FTR) VCL is closed, but the other’s is still open. Where in the Worker Portal can you check which member still has an open item, and what should you do next?
You can check under Manage VCL in Quick Links. Then advise the consumer which documents that household member must submit to satisfy the open FTR VCL.
🟥 What phrase must be checked under “Federal Tax Details” to confirm past reconciliations?
“Yes, prior premium tax credits were reconciled for past years.”