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Thanks for the answer - Probably the most intelligent answer I received so far. The IRS told me to take the credit! I don’t think I should have enrolled in a health plan through the market, but I was told by the insurance company that I needed to enroll through the market rather than with the insurance directly. My former employer funds my health spending account (HSA) to the point where it covers about 85% of the premiums. I received a 1095-A from the state (CT) health exchange, and a 1095-B from my former employer! They can’t both be right. I will call the HR department and notify them.