New Jersey Marketplace Coverage & Form 1095: What You Need to Know Before Filing Your Taxes
If you purchased health insurance through the New Jersey Health Insurance Marketplace (Get Covered NJ), you may receive Form 1095 during tax season. For many taxpayers, this form raises questions—and sometimes concerns.
The good news?
For most people, this is normal, expected, and easy to handle when you work with an experienced tax professional.
At Tax Pros, we help New Jersey residents navigate Marketplace coverage, tax credits, and required forms every year—so nothing delays your return or triggers unnecessary notices.
What Is the New Jersey Health Insurance Marketplace?
New Jersey Marketplace Coverage | The Insurance Marketplace, also known as Get Covered NJ, is the state-run platform where individuals and families can purchase health insurance.
If you:
- Did not receive insurance through an employer
- Were self-employed or between jobs
- Needed affordable coverage for part of the year
You may have enrolled through the NJ Marketplace.
What Is Form 1095?
Form 1095 documents your health insurance coverage for the year.
Depending on your situation, you may receive:
- Form 1095-A – Marketplace insurance
- Form 1095-B – Coverage from an insurer
- Form 1095-C – Coverage offered by an employer
For NJ Marketplace enrollees, Form 1095-A is the most common—and the most important for tax filing.
Why Form 1095-A Matters for Your Taxes
Form 1095-A is used to:
- Verify your health insurance coverage
- Reconcile Advance Premium Tax Credits (APTC)
- Ensure your tax return is accurate and complete
If this form is missing or incorrect, it can:
- Delay your refund
- Trigger IRS correspondence
- Require amendments later
That’s why we always review it carefully before filing.
How Tax Pros Helps NJ Clients With Marketplace Coverage
This is where experience matters.
When you work with Tax Pros, we:
- Review your 1095 forms for accuracy
- Reconcile premium tax credits properly
- Identify errors before the IRS does
- File clean, compliant returns the first time
We’ve been helping New Jersey taxpayers through healthcare-related tax changes for years—and we stay current so you don’t have to.
If you received health insurance through the New Jersey Marketplace or have questions about Form 1095, don’t guess.
📞 Schedule your tax appointment with Tax Pros today
📍 Serving Central New Jersey with trusted, face-to-face service
We’ll make sure everything is handled—clearly, correctly, and confidently.
