Don't enter any zeros. Just amount in the fields that show amounts on your 1095-A. Advanced Premium Tax Credit calculation is based on a comparison of the Monthly Premium Amount you pay and the Monthly Premium Amount of the Second-Lowest Cost Silver Plan. Make sure to include all premiums paid by the due date of the return, even if your 1095-A shows a -0- as the enrollment premium for that month.
For each month you had insurance, make sure you do not input $0 in Column B. Enter all amounts paid by the due date of the return, even if Form 1095-A shows a -0- as the enrollment premium for that month. If your 1095-A reflects $0, reach out to your marketplace provider to find out what the Second-Lowest Cost Silver Plan amount was.
You may also find this information using the Department of Health and Human Services tax tool.
When you enroll in coverage and request financial assistance, the Health Insurance Marketplace will estimate the amount of the premium tax credit you will be allowed for the year of coverage. To make this estimate, the Marketplace uses information you provide about:
- Your family composition
- Your household income
- Whether those you are enrolling are eligible for other non-Marketplace coverage
If the premium tax credit computed on your return is more than the advance credit payments made on your behalf during the year, the difference will increase your refund or lower the amount of tax you owe. This will be reported on Form 1040, Schedule 3.
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