My wife is self employed in home daycare. I am a teacher with benefits. My work health insurance is free for me, but very expensive for my wife so we use the health insurance marketplace for her coverage. She received a 1095a with a black ($0) column B. In turbo tax it will not allow an answer of $0 and sends me to the marketplace tool to get an updated column B number. On the tool we get to this section:
Include in your household only members to whom ALL of the following apply.
The person:
- Will be included in your tax family for 2022
- And was enrolled in a 2022 Marketplace plan
- And wasn’t eligible for coverage outside the Marketplace for at least one of the months they were enrolled in a Marketplace plan.
- Note: "Coverage outside of the Marketplace" includes Medicare, Medicaid, and job-based plans. It doesn't include individual plans bought outside the Marketplace.
She was technically eligible for coverage through my job-based plan, but it is expensive. Under 2022 tax rules it counted as "affordable" but in 2023 that changes and we are premium tax credit eligible. The problem is for 2022 we do not fit that description so the tool won't give her an amount. If we fake it and say she was eligible it will give an amount and says we should get a tax credit back.
Am I understanding my tax situation correctly in 2022 that I should NOT be PTC eligible and therefore can't fill out that Healthcare.gov tool?
How do I handle this in turbo tax if it won't allow $0 in column b?
