You can still e-file. Take the credit for the Premium Tax Credit by entering the correct Column B for January. The real credit you qualify for depends on your actual annual income, your family size, and zip code. If you only had coverage for one month, take the credit that you qualify for and file your return. You know the correct amount for column B and you can leave column C blank (don't enter zero).
The 'you can't have other coverage' is a requirement when you first enroll. You have been enrolled for 3 years, so it doesn't apply to your tax return. You had one month of ACA coverage - you qualify (based on your actual tax return) for the PTC for January, so take the credit and e-file your return. The 1095-A process changes every year, but that is because the IRS tweaks it processing of the 1095-A every year.
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