What Is IRS Notice CP2566?
IRS Notice CP2566 is sent when the IRS believes you received health insurance through the Health Insurance Marketplace but did not include Form 1095-A with your tax return.
This notice requests that you provide the missing information so the IRS can verify or reconcile any Premium Tax Credit (PTC) claimed on your return.
What Does a CP2566 Notice Mean?
A CP2566 notice means the IRS cannot complete processing of your return because information related to Marketplace health insurance coverage is missing or incomplete.
The IRS needs this information to determine whether the Premium Tax Credit was calculated correctly.
Why Did You Receive a CP2566 Notice?
You may receive a CP2566 notice if:
- You enrolled in Marketplace health insurance
- You did not attach Form 1095-A to your return
- You claimed or may be eligible for the Premium Tax Credit
- IRS records indicate Marketplace coverage for you or a dependent
CP2566 is commonly issued when Form 8962 is missing or incomplete.
Is CP2566 a Bill or an Audit?
No. CP2566 is not a bill and not an audit.
It is a processing notice requesting additional information before the IRS finalizes your return.
What Is the Deadline to Respond to a CP2566 Notice?
You must respond by the date shown on the CP2566 notice.
Failing to respond may result in:
- Disallowance of the Premium Tax Credit
- Adjustment to your refund or balance due
- Further IRS notices
What Happens If You Ignore a CP2566 Notice?
If a CP2566 notice is ignored:
- The IRS may adjust your return without the credit
- Any refund may be reduced or denied
- You may receive a notice showing additional tax owed
Responding promptly helps avoid unnecessary adjustments.
What Are Your Options After Receiving a CP2566?
Your response depends on your situation:
If You Have Form 1095-A
- Provide the requested information
- Complete or correct Form 8962, if required
If You Did Not Receive Marketplace Coverage
- Respond explaining that Marketplace insurance does not apply
- Provide documentation if necessary
Which IRS Forms Are Related to a CP2566 Notice?
Forms commonly associated with CP2566 include:
- Form 1095-A – Health Insurance Marketplace Statement
- Form 8962 – Premium Tax Credit reconciliation
- Form 1040-X – Amended return, if corrections are needed
What IRS Notices Are Related to CP2566?
Notices commonly related to CP2566 include:
- CP12 – Corrected return resulting in a refund
- CP11 – Corrected return resulting in a balance due
- CP21 – Account adjustment notice
When Should You Seek Help With a CP2566 Notice?
You may need assistance if:
- You are unsure whether Marketplace coverage applies to you
- Your Premium Tax Credit calculation is complex
- Multiple family members or tax years are involved
- Your refund or tax balance changes significantly
Summary
IRS Notice CP2566 is issued when Form 1095-A or related Marketplace health insurance information is missing from your tax return. Responding on time allows the IRS to properly reconcile the Premium Tax Credit and complete processing of your return.
Scope Note
This page explains IRS Notice CP2566 and general response options. It does not provide legal or tax advice.