Thanks for responding, that makes sense.
For what it's worth, and in case someone else finds this thread with a similar issue: the support person at healthcare.gov said to go ahead and file it with the 1095 I have and the tax credit calculated. The IRS should reconcile the tax credit on their end and make any adjustments to the return amount. They will have the 1095 sent by my employer that shows I was eligible for employer insurance, and thus not eligible for the credit .
