This doesn't answer his question.... by including the 1095-A, which I agree needs to be included, TurboTax is calculating a premium tax credit (PTC) for the health insurance premiums.
The problem for those of us with HRAs is that we are drawing money from the HRA to help offset the cost of the insurance, and by IRS rules you can't claim a PTC if you are using money from an HRA. TurboTax does not ask ANY questions about HRA funding or withdrawals and is calculating a PTC we can't claim. It is doing this on both the online version and desktop version of turbo tax. I got instructions to modify the values on the 1095-A form, but I'm very much against providing incorrect information on a tax form to trick TurboTax into calculating the correct number.
Please correct the program so it doesn't allow people with HRAs to accidentally double dip with a PTC.
From IRS publication 974
Individual coverage HRAs. Starting in 2020, employers can offer individual coverage HRAs to help employees
and their families with their medical expenses. Under an individual coverage HRA, employers can reimburse eligible employees for medical expenses, including premiums for Marketplace health insurance.
If you were covered under an individual coverage HRA for 2024, you are not allowed a PTC for your 2024 Marketplace health insurance. Also, if another member of your tax family was covered under an individual coverage HRA for 2024, you are not allowed a PTC for the family member's 2024 Marketplace health insurance. If you or a family member could have been covered by an individual coverage HRA for 2024, but you opted out of receiving reimbursements under the individual coverage HRA, you may be allowed a PTC for your, and your family member's, Marketplace health insurance if the individual coverage HRA is considered unaffordable.
