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Level 1
posted Feb 12, 2022 9:31:01 AM

Have 3 month gap in health Insturance coverage and getting F8962-070 error when e-filing

While filing a married filing jointly my husband has a 3 month gap in coverage (Oct - Nov) due to switching jobs.  He did not take ACA coverage. The e-file is rejected with the error -  F8962-070 - The e-File database indicates that Form 8962 or a binary attachment with description containing "ACA Explanation" must be present in the return. It looks like Turbo tax assumes you have coverage for the gap via  ACA. What forms or where/what  in turbo tax do I denote there is a true gap so the e-file will be successful.

 

Thanks - S

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1 Best answer
Expert Alumni
Feb 12, 2022 11:06:01 AM

It probably has nothing to do with your husband's gap in coverage, but the IRS believes you or someone on your return received health insurance through the marketplace in 2021. This may be the case if anyone is listed as a covered individual on a marketplace insurance policy, even if the main individual is not on your tax return. If anyone in your family has an account on Healthcare.gov, they will want to check to verify there is no 1095-A for 2021. If no one in your family was covered by marketplace insurance at any point in 2021, this workaround has worked for some:

  1. Click Deductions and Credits
  2. Scroll down to Medical and Click Show More
  3. Click Start or Revisit next to the ACA
  4. As you walk through the questions, you will be asked if you received a 1095-A.  If you did NOT, click YES.
  5. Enter your 2 letter state code for the Marketplace identifier and 0's as the Policy number.
  6. Enter $1 for January monthly premium amount and SLCSP. Enter 0 for the Monthly Advance Payment of Premium Tax Credit for January.
  7. Continue to the end and submit your return. 

Entering $1 for your January premium will not impact your return and it should get past the IRS automatically rejecting it for not having the marketplace forms attached to your return. 

2 Replies
Expert Alumni
Feb 12, 2022 11:06:01 AM

It probably has nothing to do with your husband's gap in coverage, but the IRS believes you or someone on your return received health insurance through the marketplace in 2021. This may be the case if anyone is listed as a covered individual on a marketplace insurance policy, even if the main individual is not on your tax return. If anyone in your family has an account on Healthcare.gov, they will want to check to verify there is no 1095-A for 2021. If no one in your family was covered by marketplace insurance at any point in 2021, this workaround has worked for some:

  1. Click Deductions and Credits
  2. Scroll down to Medical and Click Show More
  3. Click Start or Revisit next to the ACA
  4. As you walk through the questions, you will be asked if you received a 1095-A.  If you did NOT, click YES.
  5. Enter your 2 letter state code for the Marketplace identifier and 0's as the Policy number.
  6. Enter $1 for January monthly premium amount and SLCSP. Enter 0 for the Monthly Advance Payment of Premium Tax Credit for January.
  7. Continue to the end and submit your return. 

Entering $1 for your January premium will not impact your return and it should get past the IRS automatically rejecting it for not having the marketplace forms attached to your return. 

Level 1
Feb 13, 2022 2:31:07 PM

RaifH - Thanks so much .  The workaround worked and the taxes were 'accepted' via the E-file. I was doing the taxes for my daughter and her husband and wrote the question from her viewpoint 🙂 Scott