1095-A forms flagged by Turbotax for having duplicate policy numbers

[markm103]

We have a Pennsylvania Marketplace (Pennie) health insurance family policy covering me, my spouse, and our 24 year old daughter (who is not a dependent on our tax return and is filing her own return). For 2025 tax year we received (2) 1095-A forms, one to me and one to my daughter, which parses the premium amounts into our and her portions, proportionally based on last year's projected income; of course, the Marketplace-assigned policy number listed on each form is the same.  I entered both forms separately on our MFJ return, and set shared percentages at 100% and 0%, respectively, which I understood to be the correct approach (I paid all of the premiums). TurboTax flagged it as an error upon review of the finished return, stating for both forms that 'Marketplace policy number is a duplicate policy number.' I'm surprised it doesn't accommodate this scenario which I don't think is unusual. Should I instead enter one 1095-A that sums the numbers, essentially creating my own combined form? Or is there some other approach required? I do note that the IRS required Form 8962, which TurboTax completes, is showing the summed numbers as appropriate for columns A, B, and C, so I see no reason that my 1095-A form entries should be flagged.

[mborozny]

Hi @markm103 ! Here is information I received today from a TurboTax community tax expert:

https://ttlc.intuit.com/community/taxes/discussion/re-we-received-2-1095-a-forms-for-1-policy-number...

I hope it saves you hours of frustration. 

[markm103]

Thank you for sending. In your thread, scenario B is applicable to my situation, except I haven't received incorrect 1095-A form/s and the prescribed answer doesn't directly explain the problem with TurboTax flagging my entries and seems to imply that I would create a combined/summed fake 1095-A and enter it only. I'm not satisfied with that answer and would like a better explanation. I note that I can click through the error flagging and it is not preventing me from completing my return (though I have yet to e-file).

[MarilynG1]

Only enter the 1095-A that applies to the people on your tax return.  If your daughter received her own 1095-A, she will enter it in her return.  In the 1095-A interview, indicate that you 'shared a policy with someone not on your return', give her SSN, and allocate a % of the policy on your return.  

Your daughter indicates a 'shared' policy on her return also, your SSN and an allocation %.

The IRS wants to match up the amounts on both returns to equal 100%.  This will resolve your 'duplicate policy' error.

@markmontgomery103 

[markm103]

Thank you for your reply. I agree that your suggestion would resolve the duplicate policy number error on TurboTax. However, it doesn't seem that the PTC would be fully resolved on my return as required by the IRS, since the full value of the policy (columns A,B,C) would not sum up into Form 8962 despite my share set to 100%. I observe that with both 1095-A forms entered on my return, as I have currently done, it results in the full policy values on Form 8962, and therefore calculates the full reconciliation (in my case, I owe some of the APTC back). It seems whatever approach I take (my current approach, or just entering one 1095-A with summed numbers from the two received) must result in Form 8962 having full policy amounts to perform the reconciliation for my 100% share. The limitation seems to be TurboTax not accommodating my legitimate scenario of a policy that covers across two tax households. I have found that I can ignore this error that TurboTax calls out in the final return review, and proceed to the e-filing section, so it won't prevent me from filing.  However, I want to make sure I'm still not missing anything before doing so.

[DianeW777]

No, you're not missing anything. As long as your 1095-A entry includes all of the correct information, you should feel confident in filing your tax return.  As  you indicated the full amount matching the combined 1095-A forms must match the Form 8962 so that any advance premium tax credit (APTC) is accurately reflected, as well as the calculation for any repayment for any excess received.

@markm103