Premium tax credits can only be used for benefits that are considered essential health benefits (or “EHB”) and may not be used for benefits that are not considered EHB (such as acupuncture).
Your 1095-A provides information so you can either claim your tax credits as a lump sum or to reconcile the tax credits you received in advance each month to help pay for your premium. Because of this, the form only includes the premium amount that covers essential health benefits. EHB rates range between 96.55% and 100% of your monthly premium, depending on your plan.