Do I have to have my insurance card inorder to prove I was covered so Im not charged a fee on my taxes?

  • by daisy
  • Feb 25,2018
  • 10 answers

So my stepdad and I sent in an application with health markets for a short term policy. We were approved and our agent let me know that I would be getting an email where I would be able to print out my insurance card. I never received on and my mistake was that I wasn’t too concerned about it so I never let him know. My stepdad now is asking for my card because we’re going to be doing our taxes soon. I tried contacting the agent but neither his email or number seem to be in service. I tried calling health markets costumer service but it sends me to their automated voice.
So do I really need that card or is there another way I can prove I had health insurance so I’m not charged that hefty fee?
Thank you in advance!


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Insurance Answers (10)

Casey Y 4 months ago

1095, something he will get as the primary member here. You don't need the card, that's only proof that you had insurance for one month...

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Insurance Pickle.com 4 months ago

Temporary health insurance is not qualified health insurance. So, if that's what you had last year, you would answer the question "no" you didn't have health insurance for the year and pay the penalty if one is due.

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Judy 4 months ago

You should have gotten a form last month from the insurance company verifying your coverage. What does the automated voice say to do when you get sent there?

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Erik 4 months ago

Meh, don't worry about it. Not everyone knows this, but there is no penalty for not paying the shared responsibility payment, and while they will charge you interest, it's very low at 4%. Which doesn't even really matter, since you never have to pay it. I paid it for the first couple of years (when it was lower), but I haven't paid for 2015, 2016, and I'm not going to pay for last year either. Of course, if you would be getting a refund, it will suck it up like a vacuum cleaner.

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A Hunch 4 months ago

Short term health insurance is not Affordable Care Act compliant.
It doesn't matter if you have a card of not, it's not going to count towards having insurance on your taxes.
If you you an ACA compliant plan, you don't need to have the card count towards your coverage.
You will receive a 1095-A form if you purchased the insurance from the health insurance marketplace and receive a subsidy.
If you purchase coverage from the insurance company, you will receive a 1095-B form. Mine arrived in the mail today.

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StephenWeinstein 4 months ago

No. You get another form to use to prove insurance for tax purposes. You do not use the insurance card for taxes.

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Eva 4 months ago

The card is not sufficient proof since it doesn't tell what months you had coverage. The insurance company should have sent your stepdad a 1095A (if he received a subsidy) or 1095B that shows the months you had coverage. The penalty is pro-rated if you had less than a full year of coverage. If you got coverage in 2018 it doesn't get you out of the penalty for not having coverage in 2017.

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H. Marie 4 months ago

when you file your tax return, if you respond to the question about being covered for health insurance if your step dad has a policy that covers you you answer yes

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Elaine M 4 months ago

Any paperwork/email saying you have insurance can be used.

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Flower 4 months ago

Keep trying until you get a real person at Health Markets. Is that your state's insurance exchange under the ACA? If that is one of the ACA plans, call the main number of your insurance exchange. I dont know what Health Markets is but if it is not an approved plan under Obamacare, it wont help to waive the tax penalty.

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