Are you claimed as a dependent or not?
If you are claimed as a dependent on their return then you need to mark in the personal info section that you are claimed as a dependent and then you do not enter anything at all on your return about the insurance.
If you are NOT claimed as a dependent on their return, then yes you can enter 0% since they claimed 100%.
If you have any issue with rejection of your return due to them saying they did not share the policy, then you would need to print and mail your return.
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