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The Health Insurance Marketplace

posted Dec 6, 2014, 12:08 AM by Zaher Fallahi

According to the IRS:

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,, 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, 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


Marketplace Name

and  Web Site

Telephone number

TTY Number

All States not listed below


TTY: 1-855-889-4325


Covered California


TTY: 1-888-889-4500


Connect for Health Colorado


TTY: 1-855-346-3432


Access Health CT


TTY: 1-855-789-2428

District of Columbia

DC Health Link


TTY: 711-1-532-5465


Hawai’i Health Connector


TTY: 1-855-585-8604




TTY: 1-855-326-4654


Maryland Health Connection


TTY: 1-855-642-8573


Massachusetts Health Connector


TTY: 1-877-623-7773




TTY: 1-800-627-3529


Nevada Health Link


TTY: 1-855-853-8100

New York

NY State of Health


TTY: 1-800-662-1220


Cover Oregon


TTY: 1-800-735-2900

Rhode Island

Health Source RI


TTY: 1-888-657-3173


Vermont Health Connect


TTY: 1-888-834-7898


Washington Health Benefit Exchange


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 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 for more information about reporting changes in circumstances and special enrollment.

Zaher Fallahi is a California Tax CPA and has specialized in providing tax and accounting services to the medical professionals (dentists and physicians) since 1992, and practices as Los Angeles Dental CPA and Orange County Dental CPA. Los Angeles (310) 719-1040 and Orange County (714) 546-4272, e-mail: