The problem I am having is that when I enter my 1095-A form, Turbotax is completing form 8962 declaring all 12 months as eligible for the PTC and indicating a large refund. I don't believe that's correct.
I purchased my health insurance through the ACA marketplace for all of 2024. I claimed no APTC and paid the full premiums out of pocket. My 1095-A shows my monthly premium paid as $249 for each of the 12 months and that I have claimed $0.00 for APTC.
For January and February, I was unemployed and should be eligible for the PTC for those 2 months. But, beginning in March, and for the rest of the year, I was employed, and eligible for health insurance through my employer, but elected to keep the ACA marketplace plan instead and pay the premiums.
The problem I am having is that when I enter my 1095-A premiums for January-December, Turbotax is completing form 8962 declaring all 12 months as eligible for the PTC and I don't believe that's correct. It should only be allowing January and February to be claimed. But there's no prompt about eligibiity for employer insurance or anything. How can I proceed and only claim January and February?
