Who provides the form 1095-A needed for customers receiving APTC to complete their federal tax return?

The form 1095-A is crucial for individuals who received Advance Premium Tax Credits (APTC) as it provides necessary information for their federal tax return. This form includes details about the health insurance coverage obtained through the marketplace, including premium amounts, the amount of APTC received, and the months of coverage.

The correct provider of this form is the health insurance marketplace itself, which in this case is Pennie. Pennie is responsible for generating and distributing the 1095-A forms to policyholders who have enrolled in a health plan through their platform. This ensures that customers have accurate documentation regarding their APTC status for tax purposes, thus enabling them to correctly file their tax returns.

While other parties, such as brokers or assisters, may help customers understand the process or assist in enrollment, they do not provide the actual 1095-A form. Similarly, insurers may offer their own forms related to coverage, but they do not issue the 1095-A. The IRS, while it provides guidelines for these forms, does not supply them to taxpayers directly. Thus, Pennie is the designated provider of the 1095-A form for customers receiving APTC.